Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #10666604
Complaint Overview
Complaint ID: 10666604
Company: Experian Information Solutions INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Mississippi
ZIP Code: 390XX
Date Received: 2024-11-02T12:00:00-05:00
Date Sent to Company: 2024-11-02T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/year> consumer/Grantor entered into a credit sale with XXXX XXXX XXXX Under inherit rights as custodian, Trustee XXXX XXXX never provided a full disclosure statement for consumer of rights to Opt out of sharing personal and private information to third party entities. Also Trustee XXXX XXXX never had authorization from Grantor i.e. a written statement of instructions consenting to the sharing of personal and private information to other third party entities. Consumer never knowingly, willingly or intentionally waived any reservation of rights. XXXX XXXX XXXX reported personal information to all 3 Credit reporting agencies without expressed or written consent from the consumer. Around XX/XX/XXXX the credit agencies preferably Experian were authorized to do a full verification of all accounts but not limited to XXXX XXXX and provide me with their verification process, where they got their information from as well as the necessary documentation proving that XXXX XXXX provided them with Proof that they provided me with a Full disclosure statement showing me my rights to Opt out of sharing my non public personal information, A letter with the consumers written consent bearing the signature of the consumer authorizing the sharing of personal and private information to other third party entities. The XXXX XXXX account also has been XXXX and Experian is still reporting this account and is also reporting this account as delinquent which is a violation of the FCRA. 15 USC 1692. XXXX XXXX and Experian have conspired against me in coercion to collect an alleged debt against the consumer per 18 USC 894. 15 USC 1681b ( 2 ) Clearly describes the meaningful use of consumer report. The contract between XXXX XXXX and consumer no longer exists because it has been XXXX. XXXX XXXX has failed to update this information with the necessary entities and thus is causing consumer harm to reputation and emotional destress. Without the consent of the consumer these actions constitute aggravated identity theft per 18 USC 1028A and violates 15 USC 1681c-1 and as a result of this I have the right to have this information blocked from the consumers credit report per 15 USC 1681c-2 .
Frequently Asked Questions
What is Complaint #10666604 about?
Complaint #10666604 was filed against Experian Information Solutions INC. regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2024-11-02T12:00:00-05:00.
How did Experian Information Solutions INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Experian Information Solutions INC.?
Yes, visit the Experian Information Solutions INC. company profile at readthecomplaint.com/company/experian-information-solutions-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.