Consumer complaint received 2024-09-19 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: CA

Complaint narrative:
I am writing to formally submit a complaint against XXXX XXXXXXXX XXXX regarding significant violations of federal law related to my accounts ending in XXXX and XXXX. XXXX XXXX  has repeatedly violated provisions of the Fair Credit Reporting Act ( FCRA ), the Privacy Act of 1974, and other relevant federal regulations, resulting in the furnishing of inaccurate information to consumer reporting agencies. Despite being put on notice, XXXX XXXX has failed to take corrective action. I demand immediate compliance with federal law, cessation of unlawful reporting, and restitution of all funds owed. 
1. Violation of 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) and 1681s-2 ( a ) XXXX XXXX is reporting inaccurate and misleading information to consumer reporting agencies, including Experian, XXXX, and XXXX, in violation of 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) and 15 U.S. Code 1681s-2 ( a ). Specifically, the FCRA states that consumer reports should not include information solely related to transactions or experiences ( e.g., payment history, charge-off status ) between a consumer and the entity reporting ( XXXX XXXX ). 
Additionally, 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) prohibits a furnisher from providing any information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. Despite my notification to XXXX XXXX regarding inaccuracies in their reporting, they have failed to cease furnishing incorrect data to these agencies. As a federally protected consumer, I hereby demand that XXXX XXXX immediately cease all reporting of inaccurate information and correct the errors with all consumer reporting agencies. 
2. Breach of Privacy Act of 1974 and Unauthorized Sharing of Information XXXX XXXX has violated the Privacy Act of 1974 by unlawfully sharing my personal financial information with non-affiliated third parties, specifically Experian, XXXX, and XXXX, which are not affiliates of XXXX XXXX. XXXX 's own terms and conditions prohibit sharing such information with non-affiliates, yet they have disregarded this obligation. 
Per the Privacy Act of 1974 ( 5 U.S. Code 552a ), I hereby revoke any and all authorizationswritten, verbal, non-verbalthat may have been previously provided to XXXX XXXX. Effective immediately, XXXX XXXX is prohibited from sharing, reporting, or distributing any of my personal or financial information to any third party, including consumer reporting agencies. 
3. Non-Compliance with Opt-Out Provisions under 15 U.S.C. 6802 ( Gramm-Leach-Bliley Act ) As a federally protected consumer under the Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ), I hereby opt-out of any and all authorizations, written or verbal, that I may have provided to XXXX XXXX regarding the sharing of my personal information. XXXX XXXX has failed to honor its obligations under federal law by continuing to share my information without proper authorization, and I demand immediate compliance. 
4. Failure to Act Upon Notice of Inaccuracy ( 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( B ) ) Under 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( B ), XXXX XXXX is prohibited from continuing to furnish inaccurate information after receiving notice from the consumer. I have previously notified XXXX XXXX that the information they are reporting is inaccurate, yet they continue to report this false information in direct violation of federal law. 
If XXXX XXXX does not take immediate action to correct this issue, they will be in further violation of the FCRA and will be subject to penalties and legal consequences for knowingly reporting inaccurate information after being given formal notice. 
6. Breach of XXXX XXXX Rules XXXX XXXX is also in breach of the XXXX XXXX XXXX ( XXXX ) Rules, which they agreed to abide by. The company has failed to follow the mandated arbitration procedures outlined in their own terms and conditions and has instead taken adverse actions against me in violation of these rules. I reserve all rights to pursue arbitration as mandated by XXXX rules, and demand immediate compliance with the arbitration terms set forth in the agreement.

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