Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
b'Name: XXXX XXXXnDate of Birth: XXXXSNXXXX XXXXAddressXXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXXTransUnion, Equifax & Experian\n(ID Card ATTACHED BELOW)\nDate: XXXXURGENT MATTER\nI intend to challenge a dispute with an FTC report for the items listed below as Fraudulent. Please remove all\nfrom my credit report.\nIn accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally\nprotected consumer rights to privacy and confidentiality under 15 USC 1681. Items listed above have violated\nmy rights.\n15 U.S.C 1681 section 602 A. States I have the right to privacy.\n15USC  6802. Obligations with respect to disclosures of personal information\n(a) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not.\ndirectly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information,\nunless such financial institution provides or has provided to the consumer a notice that complies with\nsection 6803 of this title.\n(b) Opt out (1) In generalA financial institution may not disclose nonpublic personal information to a\nnonaffiliated third party unless-1(A) such financial institution clearly and conspicuously discloses to the\nconsumer, in writing or in electronic form or other form permitted by the regulations prescribed under\nsection 6804 of this title, that such information may be disclosed to such third party,\n2. (B) the consumer is given the opportunity, before the time that such information is initially disclosed, to\ndirect that such information not be disclosed to such third party, and (C) the consumer is given an\nexplanation of how the consumer can exercise that nondisclosure option. 15 U.S.C 1681 Section 604 A\nSection 2: It also states a consumer reporting agency cannot furnish a account without my written\ninstructions\n15 U.S.C 1681c. (a)(5) Section States: no consumer reporting agency may make any consumer report\ncontaining any of the following items of information Any other adverse item of information, other than\nrecords of convictions of crimes which antedates the report by more than seven years.\n15 U.S.C. 1681s-2 (AN(1) A person shall not furnish any information relating to a consumer to any consumer\nreporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.\nRemove Fraudulent Address listed:\n-\n-\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\nFCRA Law Statement: If the above accounts cannot be verified, they must be removed immediately\naccording to FCRA Section 609 & 611. If your company fails to comply, you will be required to appear in a\ncourt venue. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a\nsmall claims action against your company.\nBY: XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation