Consumer complaint received 2024-11-20 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: SC

Complaint narrative:
I, XXXX XXXX, have identified several violations of the Fair Credit Reporting Act ( FCRA ) that directly impact my credit report and my rights as a consumer. These violations involve the improper reporting and handling of my personal and financial information by debt collectors and credit reporting agencies. Here are the key points : Failure to Verify Information : Under FCRA Section 616, I discovered that credit information about me was accepted without proper verification, which is a willful violation. This is punishable by civil liability of up to {$1000.00} per violation.

Failure to Disclose My Right to Opt Out : According to FCRA Section 603 ( d ) ( 2 ) ( A ), I was not informed about my right to opt out of sharing my personal information. This omission is a deceptive practice, infringing upon my rights.

Inaccurate Reporting of Debts and Accounts : As per FCRA Section 623 ( a ) ( 3 ), debt collectors and credit reporting agencies furnished inaccurate data, such as unverifiable inquiries and accounts. This is potentially in violation of Generally Accepted Accounting Principles ( GAAP ), and the failure to validate these items violates my rights. 

Unlawful Debt Collection Practices : Under the Fair Debt Collection Practices Act ( FDCPA ), debt collectors reported inaccurate debts and accounts without my consent. This not only caused me distress but also led to unwarranted creditor contact, which is a clear violation of the law.

Improper Disclosure of Debt Information to Third Parties : In violation of regulations surrounding Acquiring Location Information, my debt information was improperly shared with third-party credit reporting agencies without my authorization.

Late Payment Reporting Without Clarity : The credit report inaccurately listed late payments without properly defining what constitutes a late payment, which is misleading and violates FCRA Section 1681e ( b ) that mandates accurate reporting. 

Incorrect Finance Charges : There was also a failure to accurately determine finance charges, a responsibility of the credit reporting agencies and lenders under the FCRA. 

Unauthorized Hard Inquiries : Lastly, FCRA Section 1681b ( a ) ( 2 ) outlines the permissible purposes for which a consumer 's credit report can be accessed. There were unauthorized hard inquiries on my credit report that were made without my written consent.

In response, I have taken the following steps : Ive identified specific accounts that need to be validated, corrected, or deleted from my credit report, such as accounts with XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and others. 
Ive formally requested that these debts be verified by providing the necessary documents such as original contracts, signed agreements, and other forms of proof. 
Ive also asked for the immediate removal of unauthorized inquiries from my credit report that occurred without my consent. 
If the disputed information is not validated or removed, I intend to pursue legal remedies under the Fair Credit Reporting Act, including seeking damages for any harm to my credit and any associated emotional distress. 

In summary, my dispute stems from multiple violations of consumer protection laws under the FCRA, resulting in inaccurate information being reported about me, and I have taken legal action to demand correction and accountability. If these issues are not addressed, I will pursue further legal action to protect my rights.

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