Consumer complaint received 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XX/XX/XXXX Dear Sir/Madam, I am writing to bring to your attention a serious issue regarding the reporting of a third-party collector, XXXX XXXX XXXX, on my credit report. Upon reviewing my credit report, I discovered that Experian has listed this collector without my authorization or any evidence of my involvement in business with them. I am formally requesting that you cease reporting this inaccurate information immediately and take the necessary steps to rectify this violation of my rights as a consumer. 

First and foremost, I must emphasize that I have never signed any contract with XXXX XXXX XXXX, nor have I given any authorization for Experian to report their activities on my credit report. This constitutes a clear violation of the Privacy Act of 1974, which safeguards individuals from unauthorized disclosure of personal information. Additionally, I have not received any opt-out notices regarding this reporting, which further compounds the violation of my rights under 15 USC 6802 THROUGH 6805. 

Furthermore, the provision of my information to a non-affiliate third-party company without my consent is a direct violation of 5 USC 552A , 45 CFR 155.260, 15 CFR 325.16, and 21 U.S.C. 371. These regulations exist to protect consumers like myself from unwarranted dissemination of personal data. 

Moreover, Experians reporting of XXXX XXXX XXXX ' activities on my credit report also violates the Fair Debt Collection Practices Act ( FDCPA ) and 15 USC 1692, which govern debt collections and ensure accuracy in credit reporting, respectively. This inaccurate reporting directly contradicts the requirements outlined in 15 USC 1681B. 

As a federally protected consumer, I hereby exercise my right to opt-out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, per 16 USC 6802 THROUGH 6805. I demand immediate and indefinite cessation of any reporting related to XXXX XXXX XXXX on my credit report. 

Furthermore, I assert that Experian 's actions have caused significant harm to my reputation and financial well-being. This inaccurate reporting constitutes defamation and has resulted in damages to my creditworthiness. Therefore, I demand compensation of {$1000.00} per violation for every month that Experian has reported this incorrect information. 

In light of the foregoing, I request that Experian : 1. Cease reporting XXXX XXXX XXXX on my credit report immediately. 
2. Take the necessary steps to rectify the inaccurate information reported. 
3. Provide written confirmation of the removal of XXXX XXXX XXXX from my credit report. 
4. Pay fines due, totaling {$1000.00} per violation for every month the inaccurate information has been reported. 

These actions should be taken promptly to avoid further escalation of this matter. Failure to comply with these demands will result in further legal action. 

Please address all correspondence related to this matter to the undersigned. Thank you for your prompt attention to this urgent issue. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Revocable Living Trust

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