Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
In Accordance with the Fair Credit Reporting Act ( FCRA ), the List of Accounts Below Has Violated My Federally Protected Consumer Rights I am the Beneficiary and Trustee of all accounts under my name. I have not authorized, nor given written or verbal consent to any credit reporting agency or third-party debt collector to operate, report, sell, assign, or otherwise act on my behalf.

They do not have permission to assume agency or ownership of any account listed below. These entities are misrepresenting themselves in interstate commerce in violation of federal law and consumer protections.

in accordance with the fair credit reporting act. the list of accounts below /inquirires with out consent violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681 i have attached two documents with exhibits and violations.

15 usc 1681 section 602 a states i have right to privacy 15 usc 1681 section 604 a section 2 states a consumer reporting aganecy can not furnish an account without my written imnnstructions 15 usc 1681 c a 5 section state no consumer reporting agency may make any consumer containing any of the following items of information any other adverse item of information other than records of convictions and crimes which antedates the report by 7 years 15 usc 1681s-2 a1 a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the its error Additional Violations : 15 USC 1681c2 Misrepresentation of account ownership by third parties ( including false reporting as if they are the original creditor ) Violation of Interstate Commerce statutes under Title 18 USC 1343 ( Fraud by wire, radio, or television ) In accordance with the Fair Credit Reporting Act, the list of negative accounts and all inquiries ( big or small ) below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 .

Cited Laws : 15 USC 1681 Section 602 ( a ) Right to Privacy 15 USC 1681b Section 604 ( a ) ( 2 ) No Furnishing Without Written Consent 15 USC 1681c ( a ) ( 5 ) / 1681a ( 5 ) No Reporting Adverse Info Over 7 Years 15 USC 1681s-2 ( a ) ( 1 ) ( A ) Knowingly Reporting Inaccurate Information 15 USC 1681s2 ( f ) Can not Report Info That is Inaccurate or Unverifiable 15 USC 1681e ( b ) Accuracy Requirement 15 USC 1681i ( a ) ( 7 ) Reinvestigation and Notice Requirement 15 USC 1692g FDCPA Validation of Debt Requirement 15 USC 68016809 ( Gramm-Leach-Bliley Act ) Protection of Nonpublic Personal Information ( NPI ) CREDIT REPORTING AGENCIES IN VIOLATION In accordance with the Fair Credit Reporting Act, the credit reporting agencies Experian and TransUnion have violated my federally protected consumer rights to privacy, accuracy, and lawful disclosure by reporting and maintaining the accounts listed below.

Violations Include : 15 USC 1681 Section 602 ( a ) : Violation of my right to privacy and confidentiality in the collection and disclosure of my personal data.

15 USC 1681b Section 604 ( a ) ( 2 ) : Furnishing of consumer reports without my written consent or permissible purpose.

15 USC 1681c ( a ) ( 5 ) : Reporting adverse items older than 7 years.

15 USC 1681s-2 ( a ) ( 1 ) ( A ) : Furnishing information known to be inaccurate or unverifiable.

15 USC 1681e ( b ) : Failure to follow reasonable procedures for maximum possible accuracy.

15 USC 1681i : Failure to reinvestigate and delete disputed, unverifiable information.

15 USC 68016809 ( GLBA ) : Failure to protect personal financial data from unauthorized sharing and misuse.

Identity Theft & Unauthorized Commercial Use Notice : By furnishing or selling my personally identifiable information and consumer data to third parties without any written or verbal consent or instruction, these agencies have committed willful acts of identity theft, trafficking of consumer information, and unlawful disclosure.

This constitutes a direct violation of : FCRA ( 15 USC 1681 et seq. ) GLBA ( 15 USC 6801 et seq. ) Consumer Privacy Statutes governing the unauthorized exchange or use of consumer financial information.

These actions have placed me at risk of identity fraud, unlawful collection activity, reputational harm, and monetary loss. 

Agencies Involved : Experian ( Annual Credit Report ) TransUnion ( Consumer Disclosure File )

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