Consumer complaint received 2024-02-07 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: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a concerning matter regarding the reporting practices of Experian, one of the major credit reporting agencies. Specifically, I have identified instances where Experian has reported accounts on my credit report that do not appear to be verified through the Uniform Commercial Code ( UCC-11 ) process, thus raising questions about the accuracy and legality of their reporting practices. I have submitted many complaints over the years about their practices most recent being CFPB report # XXXX. Please see the certified UCC-11 report attached Furthermore, I have reason to believe that Experian 's actions may constitute violations of several provisions under the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and the Gramm-Leach-Bliley Act ( GLBA ). These violations include but are not limited to : Violation of 15 U.S.C. 1692d : Experian 's reporting of accounts not verified through UCC-11 may constitute harassment or abuse in connection with the collection of a debt. 

Violation of 15 U.S.C. 1692c ( a ) : Experian 's reporting of inaccurate or unverified information may constitute communication with a consumer at an inconvenient time or place. 

Violation of 15 U.S.C. 1692b ( 5 ) : Experian 's failure to verify the accuracy of reported accounts through UCC-11 may constitute unauthorized access to consumer credit reports.

Violation of 15 U.S.C. 1692e : Experian 's reporting of inaccurate information may constitute false or misleading representations in connection with the collection of a debt. 

Violation of 15 U.S.C. 1681q : Experian 's failure to maintain reasonable procedures to ensure the accuracy of information reported on my credit report may constitute a violation of FCRA.

Violation of 15 U.S.C. 1681s-2 : Experian 's failure to correct or delete inaccurate information upon request may constitute a violation of FCRA.

Violation of 15 U.S.C. 6802 : Experian 's failure to adequately protect consumer information in accordance with GLBA may constitute a violation of consumer privacy rights. 

I respectfully request that the Consumer Financial Protection Bureau conduct a thorough investigation into these allegations and take appropriate enforcement action against Experian if violations are found. Additionally, I request that Experian be required to correct any inaccurate information on my credit report and to implement measures to prevent similar violations in the future. 

Please find attached copies of relevant documentation supporting my claims, including copies of my credit reports and correspondence with Experian. I am available to provide any further information or assistance necessary for your investigation. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take swift and decisive action to ensure that consumers ' rights are protected and that credit reporting agencies adhere to all applicable laws and regulations. 

Sincerely, 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