Consumer complaint received 2023-09-16
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, pa XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Georgia XXXX DATE XXXX ( YOUR VIOLATING MY RIGHTS ) In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX ACCOUNT # XXXX has violated my rights. 
Please remove from my credit report immediately 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 USC 1692b ( 5 ) Not use any language, symbol on any envelope that indicates that the debt collector is a debt collector. Meaning if a there is a symbol which is shown the debt collector have which is a huge violation.

15 USC 1681b ( A2 ) Without written instructions i never you gave anybody written information to put anything on my credit report. I never wrote up anything saying I gave a creditor permission to report anything on my report. Which means the account shouldnt be there.

Under 15 U.S. Code 1692k - Civil liability I Demand 1,000 dollars for each violation as you have caused severe damage to my character. ( a ) Amount of damages except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}.

Stop contacting me about this or any other matter you have. cease and desist ASAP and delete this account from my credit reports, except to provide me with accurate validation of this debt by U.S. mail only.

I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office, and The XXXX XXXX XXXX  to have confirmation of proof if you respond without the proper validation request or not in the 15-day timeframe you have.

You have 15 days from the date of this letter to respond with all items requested or this is considered an insufficient validation response and this item must be removed immediately or I will seek litigation for Monetary damages along with the violations you have already committed. The invoice will be attached to this Letter Thank you. 

Sincerely, XXXX XXXX

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