Consumer complaint received 2024-10-01 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:
I am writing to formally dispute the continued reporting of a charge-off account on my credit report by XXXX XXXX . The inclusion of this information violates several key provisions of the Fair Credit Reporting Act ( FCRA ), Privacy Act, and other consumer protection laws. 

1. Violation of 15 U.S.C. 1681 ( FCRA ) Accuracy and Fairness of Credit Reporting According to 15 U.S.C. 1681, consumer reporting agencies must ensure accuracy and fairness in their reporting. It is the responsibility of XXXX XXXX, XXXX, and Experian to adopt reasonable procedures that ensure information is accurate, relevant, and meets the highest standards of fairness. 

Under 15 U.S.C. 1681e ( b ), consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. The charge-off being reported on my account is inaccurate for the following reasons : I did not authorize this charge-off or its reporting. 
The information being reported is outdated or incomplete. 
The furnishing party has not provided proper validation of the debt. 
2. Violation of 15 U.S.C. 1681b Permissible Purposes of Consumer Reports Under 15 U.S.C. 1681b ( a ) ( 2 ), a consumer report can only be furnished with the written consent of the consumer. XXXX XXXX, XXXX, and Experian do not have my explicit written consent to share or report any adverse information about me to third parties. 

This charge-off is being reported without my consent, and any previous consentwhether verbal, implied, or otherwiseis hereby revoked. The continued sharing of this adverse information violates my rights under this statute. 

3. Violation of 15 U.S.C. 6801 Financial Privacy As per 15 U.S.C. 6801, financial institutions have an ongoing obligation to protect the privacy of their customers. The unauthorized sharing of non-public personal information, such as the charge-off, violates this section. I was not informed of my right to opt out of sharing this information, which is a violation of my privacy rights under this statute. 

4. Violation of 15 U.S.C. 1681s-2 Responsibilities of Furnishers of Information Under 15 U.S.C . 1681s-2 ( a ) ( 1 ) ( A ), a furnisher shall not report information to a consumer reporting agency if they know or have reasonable cause to believe the information is inaccurate. The charge-off being reported is inaccurate or has not been validated by XXXX XXXX XXXX which makes its continued reporting unlawful.

Furthermore, 15 U.S.C. 1681s-2 ( a ) ( 2 ) requires furnishers to correct and update information to ensure it is complete and accurate. Since I have disputed this information, XXXX XXXX is responsible for ensuring that any inaccurate information is promptly updated or removed from my credit report. Failure to do so constitutes a violation of the FCRA. 

5. Violation of 12 CFR 1016.7 Opt-Out Rights Under 12 CFR 1016.7, I have the right to opt out of the sharing of nonpublic personal information at any time. I am formally exercising my right to opt out and revoke any previous consent for the reporting of this charge-off. Any further sharing of this information violates my rights under this provision.

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