Consumer complaint received 2024-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the collection account listed on my credit report by your agency. The accounts in question adversely affected my credit score. This information is reporting as inaccurate. My rights have been violated my rights according to the law by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ), which requires debt collectors to provide written validation of debts upon request. Additionally, the Gramm-Leach-Bliley Act ( GLBA ) mandates that financial institutions obtain written consent before disclosing personal information to third parties. My Rights have been violated under both of these acts. 
I hereby request that you provide written validation of the debt and proof of my authorization for the collection of this debt and the disclosure of my information to third parties. If you are unable to provide this documentation, I insist that the collection account be removed from my credit report immediately. 
By the Fair Credit Reporting act and the Gramm-Leach-Bliley Act ( GLBA ) I exercise my right to opt out of having this information reported on my credit report and would like to remove it. 
My rights have been violated my rights according to the law by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I do not know who this debt collector is, I believe this information was bought without my written consent Violating the law under FDCPA 15 USC 1692 and FDCPA 15 USC Code 1601 where it pertains to charge-off accounts.

The Fair Debt Collection Practices Act ( FDCPA ) grants the right to request written validation of debts from debt collectors, ensuring transparency in debt collection practices. The Gramm-Leach-Bliley Act ( GLBA ) requires financial institutions to obtain your written consent before sharing personal information with third parties, safeguarding privacy.

Here are the laws for reference 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 US Code 1692g ( a ) - Validation of Debt - This information was to be provided within 5 days after the initial communication of the collection and this information has not been provided to me.

FDCPA 15 USC Code 1601 where it pertains to charge-off accounts.

In addition, the law of Reinsertion was violated under 15 USC 1681i 5 ( B ) ( ii ) The specific section of the GLBA that pertains to the protection of consumer information and the requirement for written consent for sharing information with third parties can be found in Title V of the Act, known as the Privacy provisions. 
According to the GLBA I choose to opt out of having this information shown on my credit report. 
I expect full compliance with the FDCPA and GLBA laws in this matter. 
Thank you for your prompt attention to this request. 
Thank you greatly for your consideration in this matter. 
Sincerely appreciate the understanding. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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