Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #11346193
Experian Accused of Privacy Violations and FCRA Non-Compliance
Complaint Overview
Complaint ID: 11346193
Company: Experian Information Solutions INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Information belongs to someone else
State: Pennsylvania
ZIP Code: 18042
Date Received: 2024-12-31T12:00:00-05:00
Date Sent to Company: 2024-12-31T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: high
The complaint alleges potential violations of the FCRA, Privacy Act, and other regulations related to data sharing, accuracy, and consumer rights, indicating a high risk of regulatory scrutiny.
Consumer Sentiment: negative
Topics: Credit reporting, Privacy, FCRA, Data accuracy
AI Analysis
CFPB complaint 11346193 was filed against Experian Information Solutions Inc. regarding Credit reporting or other personal consumer reports (Credit reporting), specifically about "Incorrect information on your report". A consumer filed a complaint against Experian alleging violations of privacy laws and the FCRA due to inaccurate reporting and insufficient disclosure of opt-out rights. The complaint was received on December 31, 2024 from Pennsylvania. The company responded with "Closed with explanation".
Consumer Narrative
I am submitting this formal complaint regarding Experian 's handling of my personal information and reporting inaccuracies on my credit report. I have serious concerns about potential violations of privacy laws, failure to disclose consumer opt-out rights, and incorrect reporting of several accounts. Primary Concerns : Insufficient Disclosure of Opt-Out Rights : Experian does not appear to adequately disclose consumers ' rights to opt out of information sharing, as required under 15 U.S.C. 6802 ( b ) & ( c ) and 12 CFR 1016.7. This lack of transparency violates my right to make informed decisions about my personal information. Potential Violations of the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681 : Experian is obligated to ensure fairness, accuracy, and respect for consumer privacy. Section 602 ( a ) : Protects consumer privacy. Section 1681c ( a ) ( 5 ) : Prohibits the reporting of adverse information without proper authorization. Potential Violations of the Privacy Act of 1974 : Experian 's privacy practices may not comply with the Privacy Act of 1974, 16 CFR Part 313, and 16 CFR 433.2, leading to possible unauthorized sharing of sensitive consumer information. Identity Theft Concerns : I am concerned that my personal information may be misused under 5 U.S.C. 522a, constituting a serious federal violation. Inaccurate Reporting of Transactional Information : Under 15 U.S.C. 6801, financial institutions are prohibited from reporting certain non-public consumer information. Experian may be in violation of this law. Inaccurate Reporting : As per 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), Experian is legally required to furnish accurate information. The reporting inaccuracies in the accounts listed below need to be corrected to reflect accurate statuses and avoid breaches of federal law. Accounts in Question : I believe the following accounts listed in my credit report are inaccurate and violate my federally protected privacy rights. I am requesting that Experian update them to reflect accurate statuses of " paid as agreed, '' " current, '' and " open/never late. '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Request for Action : In light of these concerns, I respectfully request that Experian take the following actions : Update the listed accounts to reflect " paid as agreed, '' " current, '' and " open/never late. '' Correct any inaccuracies in my credit report and mail me a copy of the updated report, reflecting the necessary revisions. Provide documentation regarding Experians policies related to consumers ' opt-out rights, as required by law. I expect written confirmation of the actions taken within 14 days of receiving this complaint.
What You Should Do -- Consumer Action Plan
Consumers should carefully review their credit reports for inaccuracies and be aware of their rights regarding data sharing and opt-out options.
Legal Context & Consumer Protection Laws
The complaint cites potential violations of the Fair Credit Reporting Act (FCRA) and the Privacy Act of 1974, which govern the accuracy and privacy of consumer information.
Regulatory Insight
This complaint highlights the importance of credit bureaus adhering to disclosure requirements and ensuring the accuracy of reported information to prevent potential regulatory action.
Resolution Likelihood
likely
State-Specific Consumer Protections
The complaint was filed in Pennsylvania and closed with an explanation, suggesting some level of interaction or resolution was provided.
Industry Comparison
Credit reporting agencies face ongoing scrutiny regarding data accuracy, privacy, and compliance with consumer protection laws.
Related Issues
Frequently Asked Questions
What is CFPB complaint 11346193 about?
CFPB complaint 11346193 involves Credit reporting or other personal consumer reports (Credit reporting). The consumer reported an issue with "Incorrect information on your report", specifically "Information belongs to someone else". This complaint was filed against Experian Information Solutions Inc. on December 31, 2024.
Which company is complaint 11346193 filed against?
Complaint 11346193 was filed against Experian Information Solutions Inc.. You can view all complaints against this company on their profile page at /company/experian-information-solutions-inc.
What was the company's response to complaint 11346193?
Experian Information Solutions Inc. responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 11346193 filed?
Complaint 11346193 was received by the CFPB on December 31, 2024. It was sent to Experian Information Solutions Inc. on December 31, 2024.
What state was complaint 11346193 filed from?
Complaint 11346193 was filed from Pennsylvania. You can view all complaints from this state at /state/PA.
Was the consumer satisfied with the resolution of complaint 11346193?
Dispute information is not available for complaint 11346193.
What product category is complaint 11346193 about?
Complaint 11346193 is categorized under "Credit reporting or other personal consumer reports", specifically "Credit reporting". This is one of the product categories tracked by the CFPB.
How was complaint 11346193 submitted?
Complaint 11346193 was submitted via Web. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.
What are the consumer's legal options for complaint 11346193?
The complaint cites potential violations of the Fair Credit Reporting Act (FCRA) and the Privacy Act of 1974, which govern the accuracy and privacy of consumer information. This relates to a Credit reporting or other personal consumer reports complaint against Experian Information Solutions Inc. involving "Incorrect information on your report".
How likely is complaint 11346193 to be resolved?
Resolution likelihood: likely. The company's current response is "Closed with explanation". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 11346193?
This complaint is rated as high risk. The complaint alleges potential violations of the FCRA, Privacy Act, and other regulations related to data sharing, accuracy, and consumer rights, indicating a high risk of regulatory scrutiny.
What regulatory actions apply to complaint 11346193?
This complaint highlights the importance of credit bureaus adhering to disclosure requirements and ensuring the accuracy of reported information to prevent potential regulatory action. The CFPB tracks complaints like this one to identify patterns of misconduct across the Credit reporting or other personal consumer reports industry.
What should the consumer do about complaint 11346193?
Consumers should carefully review their credit reports for inaccuracies and be aware of their rights regarding data sharing and opt-out options.
Are there state-specific protections for complaint 11346193?
The complaint was filed in Pennsylvania and closed with an explanation, suggesting some level of interaction or resolution was provided. This complaint was filed from Pennsylvania.
How does complaint 11346193 compare to industry norms?
Credit reporting agencies face ongoing scrutiny regarding data accuracy, privacy, and compliance with consumer protection laws.
What specific steps should consumers take if they suspect their information is being reported incorrectly or belongs to someone else?
Consumers should immediately dispute the inaccurate information with the credit reporting agency and the furnisher of the information, providing any supporting documentation.
How can consumers exercise their opt-out rights regarding information sharing by credit bureaus?
Consumers can typically opt out of information sharing for marketing purposes by visiting the credit bureaus' websites or by mail, and specific opt-out rights are often detailed in privacy policies.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.