Consumer complaint received 2023-05-18
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Certified letter sent from XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX  addressing credit reporting errors of report # XXXX dated XXXX sent to Experian XXXX XXXX XXXX and XXXX XXXX XXXX I requested items be removed and requested proof of accurate reporting information. The incorrect information is damaging my credit score. The information on file references alleged collections which are NOT under Fair Credit Reporting Act ( 15 U.S.C. 1681-1681x ) compliance. Law states companies listing inaccurate, outdated, invalid, and personal information is illegal and must be removed immediately due to non-validity. I presumed no proof of the alleged debt therefore exists. See Dixon-Rollins v. Experian Information Solutions , Inc. XXXX XXXX ) et al, and XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. Plaintiff failed to meet its burden of demonstrating prima facie entitlement. 

It is unfair those agencies wrote off debts decreasing their financial burden when unfairly increasing mine. XXXX prohibits payment of debt and substitutes, in its place, evidence of discharge of an obligation -- thereby not only subverting, but totally bypassing the " absolute prohibition '' so carefully engineered into the XXXX. Per FRCA, agencies are required to complete a reasonable investigation and delete disputed information as I requested before the end of 30-days, it did not happen. Per U.S. CODE 1692 ( c ) and The Fair Debt Collection Practices Act ( FDCPA ), if the alleged debts were acquired by a debt buyer, and closed, then proof of chain of title of the alleged debt must be from the original creditor to the current alleged owner without any break in chain. Per Gilbert Law Summaries ( XXXX ), no contract has been proven to have formed, as well as no defenses related said formation of contracts therein. Pursuant to the Parol Evidence Rule, agencies have not indicated any prior evidence of an oral or written agreement with my signature. Agencies provided material misrepresentation. There is no supplied proof under the doctrine of estoppel by silence. Credit agencies did not provide details on how the information was verified. 

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, it is a violation of privacy. Per US CODE 15 U.S.C. 1681 B 2 ( a ) no entity can list information in my consumer report without my written permission. Per U.S. CODE 1028 ( a ) information furnished without my written permission is identity theft.

The Equal Credit Opportunity Act [ ECOA ], 15 U.S.C. 1691 et seq. prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age, because an applicant receives income from a public assistance program, or because an applicant has in good faith exercised any right under the Consumer Credit Protection Act. Based upon the above conduct of agencies, I have been denied credit from XXXX XXXX. Full Faith and Credit shall be given in each State and individual for public or private Acts, Records, and judicial Proceedings of every other State and the Congress may by general Laws prescribe the Manner in which such Acts, Records and Proceedings shall be proved, and the Effect thereof. Under The Equal Credit Opportunity Act [ ECOA ], 15 U.S.C. 1691 et seq. prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age, because an applicant receives income from a public assistance program, or because an applicant has in good faith exercised any right under the Consumer Credit Protection Act.

I was asked to provide my Social Security number for the XXXX XXXX, and under The Privacy Act of XXXX, as amended, 5 U.S.C. 552a. AMEX and other agencies operated with adverse actions and are in violation of 15 U.S.C. 1681a ( 2 ) ( k ).

The Dodd-Frank Wall Street Reform and Consumer Protection Act authorizes the SEC to pay awards to individuals who provide original information about violations of the federal securities laws.

In conclusion, I request this matter be resolved via Injunctive Relief including, but not limited to, compensation without delay, and / or exhaustive court proceedings. I further demand RESTORATIVE and REPARATIVE actions.

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