Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #8135796
Complaint Overview
Complaint ID: 8135796
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: Colorado
ZIP Code: 81301
Date Received: 2024-01-09T12:00:00-05:00
Date Sent to Company: 2024-01-09T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I recently learned that there is negative information being reported on my consumer report without disclosure options extended from these companies to me, the consumer, nor does Experian have my written consent to be reporting the transactions listed by these companies on my consumer report : Account # XXXX XXXX The Fair Credit Reporting Act and my consumer rights have been violated. The 19 accounts listed above have violated my federally given consumer rights to PRIVACY amongst other things. All of these items are listed in the file that Experian maintains under my social security number. Upon reviewing a copy of my credit report with your agency, I challenge the accuracy, compliance and most importantly, the reportability, of these listings. All of the companies listed have violated FEDERAL LAW 15 U.S. Code 6802 Obligations with respect to disclosures of personal information. Experian has aided these companies in violation of this Federal Law. Simply put, this consumer law states the following A financial institution may not, directly, or indirectly, disclose to a non-affiliated public party any nonpublic personal information unless such financial institution gives the following disclosures : 1 ) The Financial Institution must let a consumer know they will disclose information to the non-affiliated third party. 2 ) The Financial Institution must give the consumer the opportunity before any information is initially disclosed to direct that the information may not be disclosed to such third party. 3 ) The Financial Institution must give the consumer an explanation so that the consumer can exercise the nondisclosure option. Am I to assume that Experian is affiliated with these credit card companies and banks? I have not given Experian permission to furnish this information. Having understood this is a violation of 15 U.S.C. 1681b. Both together and separately, my consumer and privacy rights are being violated. The aforementioned transactional history of the accounts above is to be removed from my consumer credit report and file IMMEDIATELY as the reporting of them has caused me and my reputation harm and discrimination. Furthermore, Experian is to be held accountable for {$1000.00} per violation of the FCRA.
Frequently Asked Questions
What is Complaint #8135796 about?
Complaint #8135796 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 2024-01-09T12:00:00-05:00.
How did Experian Information Solutions INC. respond to this complaint?
The company responded with: "Closed with non-monetary relief". 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.