Consumer complaint received 2025-01-08 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: PA

Complaint narrative:
I am submitting this complaint regarding multiple violations of the Fair Credit Reporting Act ( FCRA ), the Gramm-Leach-Bliley Act ( GLBA ), and the Privacy Act of 1974. Specifically, I allege non-compliance with the following laws and regulations : Fair Credit Reporting Act ( FCRA ) Violations : 16 CFR 313 : Non-compliance with regulations concerning the safeguarding of consumer information. 

15 U.S.C. 6801 : Failure to protect the confidentiality of nonpublic personal information as required under the FCRA.

15 U.S.C. 1681i ( a ) : Failure to conduct a proper reinvestigation of disputed information on credit reports within the statutory time frame. 

Privacy Act of 1974 and Related Regulations Violations : 12 CFR 1016.1 : Failure to adhere to definitions and responsibilities under the FCRA related to consumer financial information. 

12 CFR 1016.4 : Denial of consumers right to opt out of information sharing practices.

12 CFR 1016.7 : Failure to provide adequate notice and opt-out opportunities for consumers as required. 

Gramm-Leach-Bliley Act ( GLBA ) Violations : 15 U.S.C. 6802 : Non-compliance with requirements governing the sharing of nonpublic personal information.

12 U.S.C. 6805 : Failure to comply with the Bureaus enforcement authority concerning consumer financial protection laws. 

Consumer Financial Protection Bureaus Authority Violations : 12 U.S.C. 5511 : Non-compliance with CFPB-enforced consumer protection laws. 

Fair Debt Collection Practices Act ( FDCPA ) Violations : 15 U.S.C. 1666b : Reporting inaccurate or unvalidated negative remarks on my credit report. 

Compensation for Violations : Per 15 U.S.C. 1681n ( a ) ( 1 ) ( A ), compensation for each willful violation of the FCRA is {$1000.00}. 

Specific Allegations : Reporting of Negative Remarks : All negative remarks on my credit report are in violation of the FCRA and FDCPA because the validity of these remarks can not be furnished or validated as required by law. 

Account Ownership vs. Validation : While I do not dispute ownership of the account ( s ), the reporting entity has failed to provide full reports of how the information was validated and verified, and whether their practices comply with the above regulations. 

Request for Compliance : If the reporting entity can not furnish evidence of compliance with validation and verification procedures, as mandated by law, the accounts and negative remarks must be removed from my credit report immediately. 

Relief Sought : Investigation : I request that the FTC and CFPB investigate these violations thoroughly. 

Correction of Records : Any unvalidated or non-compliant negative remarks must be removed from my credit report. 

Transparency : Provide full documentation of the validation and verification processes used to report the negative information. 

Compensation : Per 15 U.S.C. 1681n ( a ) ( 1 ) ( A ),. 

Compliance Assurance : Ensure that the reporting entities involved implement and maintain compliance with the applicable laws and regulations. 

The companies in violation of this are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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