Consumer complaint received 2025-04-05 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: MI

Complaint narrative:
To Whom It May Concern : I am writing to formally address a serious and unlawful breach of privacy and fiduciary responsibility concerning the unauthorized release and mishandling of my personal, private, and protected information by your organization. This incident, whether by negligence or willful disregard, constitutes multiple violations of federal and state consumer protection laws. 

The conduct displayed reflects a failure to comply with statutes governing consumer data, including but not limited to the Fair Credit Reporting Act ( FCRA ), the Gramm-Leach-Bliley Act ( GLBA ), the Truth in Lending Act ( TILA ), the Uniform Commercial Code ( UCC ), and the Michigan Identity Theft Protection Act.

Your agency is one of several currently under scrutiny for this type of misconduct. The others include XXXX, TransUnion, Equifax, Experian, and XXXX. Each of these agencies is held to high legal and ethical standards for consumer data handling. Any breach is not only a violation of individual rightsit also erodes public trust and invites legal consequence. 



XXXX XXXX XXXX XXXX XXXX for Violations 1. FCRA Violations ( 15 U.S.C. 1681n & 1681o ) : Willful violations may result in statutory damages of {$100.00} to {$1000.00} per violation, actual damages, and punitive damages.

Negligent violations may result in actual damages and attorneys fees.

2. Gramm-Leach-Bliley Act ( GLBA ) : Civil penalties : Up to {$100000.00} per violation for institutions.

Personal liability : Up to {$10000.00} per violation for directors and officers.

Criminal penalties : Up to 5 years imprisonment, increased to 10 years for patterns or conspiracies.

3. FTC Act Violations ( Deceptive Practices ) : Civil penalties of up to {$50000.00} per violation per day under FTC enforcement authority.

4. Consumer Financial Protection Bureau ( CFPB ) : Tiered monetary penalties : Tier XXXX : $ XXXX for basic violations. 
Tier XXXX : $ XXXX for reckless conduct. 
Tier XXXX : $ XXXX for knowing violations. 
XXXX. Breach of XXXX & Privacy Policies : Remedies include compensatory damages, consequential damages, punitive damages, and injunctive relief to prevent future harm.

Immediate Demands & Expectations Cease and Desist : Immediately halt any further dissemination of my personal information.

Full Investigation : Conduct an internal audit to identify all parties who accessed or distributed my information unlawfully. 
Remediation : Provide written assurance of corrective action and steps taken to comply with federal law. 
Response Deadline : A formal, comprehensive response is required within XXXX business days of the date of this notice. 

Failure to address these matters promptly will compel me to initiate legal action and report your agency to appropriate authorities, including the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), Michigan Attorney General, and any other regulatory body with oversight of your operations. 

I reserve all rights, remedies, and actions permitted under law.

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