Consumer complaint received 2024-11-22 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:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX [ Date ] To : Consumer Financial Protection Bureau ( CFPB ) XXXX Experian XXXX Subject : Urgent Demand for Removal of Unauthorized Accounts, Personal Information, and Violations of Federal Law Dear CFPB, This is my second formal complaint against XXXX, Experian, and XXXX for their blatant disregard of federal law regarding the handling of my consumer report. Despite my previous complaint and the submission of valid documentation, these credit reporting agencies continue to report unauthorized and inaccurate accounts, names, and addresses on my consumer report. Their willful noncompliance constitutes a severe breach of federal statutes, including the Fair Credit Reporting Act ( FCRA ), and further exposes a pattern of malicious intent to harm my creditworthiness. 

Ongoing Violations of Federal Law 1. Unauthorized Accounts Still Reporting : The following accounts remain on my credit report despite my formal dispute and submission of an FTC Identity Theft Report supported by proper identification and proof of address : XXXX XXXX : Account Number XXXXXXXX XXXX XXXX  : Account Number XXXX XXXX XXXX  : Account Number XXXX XXXX XXXX  : Account Number XXXX XXXX XXXX XXXX : Account Number XXXX These accounts were reported without my informed consent, as required under 15 U.S.C. 1681b, and their continued reporting is both unauthorized and fraudulent.

2. Unauthorized Names and Addresses : My consumer report continues to list the following unauthorized and inaccurate personal information : Names : XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX The only name that should be reporting is XXXX XXXX XXXX and the only address that should appear on my report is XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX 
3. Failure to Block Unauthorized Information Within Four Business Days : Under 15 U.S.C. 1681c-2, the credit reporting agencies were required to block the disputed accounts and personal information within four business days of receiving my FTC Identity Theft Report. Their failure to comply is a direct violation of federal law. 

Legal Violations and Supporting Case Law Violations : 1. FCRA 15 U.S.C. 1681b : Credit reporting agencies must have explicit written consent to report consumer information. These accounts and personal details were reported without my authorization. 
2. FCRA 15 U.S.C. 1681c-2 : The agencies are required to block disputed information within four business days after receiving proper documentation. Their failure to act demonstrates willful noncompliance. 
3. Gramm-Leach-Bliley Act 15 U.S.C. 6802 ( b ) ( c ) : Financial institutions must provide consumers with the opportunity to opt out of data sharing. The companies failed to notify me of this right and continued to share my data unlawfully. 
4. 18 U.S.C. 894 Collection of Extensions of Credit by Extortionate Means : The continued reporting of false and unauthorized information on my consumer report constitutes extortionate means to enforce or collect on disputed accounts. 

Case Law : 1. Dalton v. Capital Associated Indus., Inc. , 257 F.3d 409 ( XXXXXXXX XXXX XXXXXXXX ) : This case emphasizes the FCRAs requirement for consumer reporting agencies to ensure the accuracy of reported information. 
2. Dennis v. BEH-1, LLC, 520 F.3d 1066 ( XXXXXXXX XXXX XXXXXXXX ) : Reinforced the duty of credit bureaus to correct or remove inaccurate or unverifiable information when disputed by consumers. 
3. Pintos v. Pacific Creditors Assn, 605 F.3d 665 ( XXXXXXXX XXXX XXXXXXXX ) : Established that permissible purpose under the FCRA must be explicitly authorized by the consumer. Unauthorized reporting violates this standard. 

Pattern of Malicious Intent The ongoing reporting of unauthorized information, despite my clear opt-out notice and FTC report , reflects intentional disregard for federal law and my consumer rights. The actions of XXXX, Experian, and XXXX demonstrate : 1. Fraudulent Intent : By retaining and sharing unauthorized information, the agencies are profiting from data that they have no right to possess or report.

2. Deceptive Practices : Failing to block disputed information within the legally mandated timeframe is a deliberate act of noncompliance.

3. Irreparable Harm : The continued reporting of false and unauthorized accounts has caused severe damage to my financial reputation and creditworthiness. 

Demand for Immediate Action I demand the following : 1. Immediate Blocking of All Unauthorized Information : The accounts, names, and addresses listed above must be blocked and removed from my credit report within four business days, as required by federal law.

2. Written Confirmation : Provide written confirmation that all disputed information has been removed and will not be re-reported.

3. Full Compliance with Federal Law : Ensure that my opt-out notice and FTC report are fully honored, and no further unauthorized information is reported on my consumer file. 

Supporting Documentation I am including the following : FTC Identity Theft Report Government-issued identification Proof of address Conclusion The repeated failure of XXXX, Experian, and XXXX to comply with federal law constitutes a gross abuse of their role as consumer reporting agencies. I am a victim of their negligence and willful noncompliance, and I expect the CFPB to take immediate action to enforce my rights under the FCRA. 

Failure to comply with this demand will result in further legal action and escalated complaints to federal enforcement agencies. 

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