Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #10686415
Complaint Overview
Complaint ID: 10686415
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: Report provided to employer without your written authorization
State: New York
ZIP Code: 10705
Date Received: 2024-11-04T12:00:00-05:00
Date Sent to Company: 2024-11-04T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Subject : Formal Complaint, Opt-Out of Inaccurate Reporting, and Demand for Compensation Due to Privacy Violations As a federally protected consumer under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am filing this formal complaint regarding the credit agencies and data furnishers. Per the FCRA, I am opting out of any and all authorization for the reporting or sharing of any information related to the inaccurately reported accounts. This includes any written, unwritten, verbal, or nonverbal authorization I may have given, per 15 U.S.C. 6802 and 16 CFR Part 313, which mandate the Privacy of Consumer Financial Information and prohibit unauthorized disclosure of nonpublic personal information. The FDCPA further protects my rights against deceptive, abusive, and unfair collection practices ( 15 U.S.C. 1692 ), empowering me to challenge and verify the validity of asserted debts ( 15 U.S.C. 1692g ). Congress enacted these protections due to the negative impact of such practices on consumers, including personal bankruptcies, marital instability, loss of jobs, and invasions of individual privacy ( 15 U.S.C. 1692 ). Due to these violations of my consumer rights and privacy, I am demanding immediate compensation for damages arising from the unauthorized and inaccurate handling, reporting, or sharing of my personal information as specified under 15 U.S.C. 6802 ( b ) and 16 CFR Part 313. Should you fail to act, I will exercise my right to pursue legal remedies as provided by law. To resolve this matter, I demand the following : Immediate removal of the inaccurately reported account ( s ) from my credit report, as my opt-out under 15 U.S.C. 6801 ( b ) and 16 CFR Part 313 prohibits any unauthorized reporting of my information. Compensation for the violation of my rights under 15 U.S.C. 6801-6805, 16 CFR Part 313, and 15 U.S.C. 1692k, due to inaccurate reporting and unauthorized disclosure. Written confirmation of actions taken to comply with my requests as required under 15 U.S.C. 6803 and 16 CFR Part 313. If these demands are not met, I am prepared to take further legal action to ensure my rights are upheld and to secure full compensation for damages.
Frequently Asked Questions
What is Complaint #10686415 about?
Complaint #10686415 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 2024-11-04T12:00:00-05:00.
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.