Consumer complaint received 2024-11-15 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: FL

Complaint narrative:
Date : XX/XX/2024 Subject : Complaint Regarding Violations of the Fair Credit Reporting Act ( FCRA ) and Truth in Lending Act ( TILA ) I am submitting this complaint regarding violations of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) by Experian Despite my previous correspondence, which requested the removal of the above-mentioned account due to inaccuracies and failure to validate the information as required by law, Experian has not conducted a proper investigation nor provided the required documentation. 
Reasons for Complaint : 1. Violation of the FCRA : o Investigation Requirements ( 15 U.S.C. 1681i ) : Your verification response did not include a sufficient description of the investigation process, as required by the FCRA. You failed to adhere to the obligation to provide a thorough and detailed account of the steps taken to verify the information.

o Permissible Purposes ( 15 U.S.C. 1681b ( 2 ) ) : The information provided did not comply with the permissible purposes outlined in the FCRA. The verification process failed to meet the established standards for handling and reporting information.

o Privacy Rights ( 15 U.S.C. 1681a ( 4 ) ) : The continued inclusion of this bankruptcy record and associated accounts infringes upon my privacy rights. The failure to follow appropriate procedures for handling sensitive information constitutes a violation of this section.

o Description of Investigation ( 15 U.S.C. 1681i ( 7 ) ) : Credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a dispute. To date, I have not received this required information.

o Invocation of 15 U.S.C. 609 ( a ) ( 1 ) ( a ) and 15 U.S.C. 609 ( a ) ( 2 ) : I am invoking these provisions to request the removal of this account and to demand proof of its verification. The failure to complete this verification constitutes an abuse of my rights.

2. Violation of the TILA : o Disclosure Requirements : Experian failed to provide accurate and timely disclosures regarding the account status, breaching the TILA requirements.

3. Federal Consumer Protections : o Title 15, Chapter 41 : The failure to provide adequate proof and the apparent disregard for my rights under the FCRA indicate a violation of federal consumer protection laws.

o Public Law 91-506, Title VI, Section 611, Subsections A-D : This law stipulates the procedures for the removal of inaccurate or incomplete information from credit reports. The response and verification process did not comply with these provisions, necessitating the removal of the bankruptcy record. 

Immediate Action Requested : Delete Immediately for Violations of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Present below the inaccurate information persistently affecting my credit report.

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