Consumer complaint received 2022-09-29
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 To Whom It May Concern : NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT I have certified mail this document. My U.S. POSTASTAL SERVICE certified mailing tracking number is ( XXXX ) followed by a return slip via postal mail. My XXXX tracking number is ( XXXX ) I recently received a copy of my consumer report, and I noticed some late payments posted on my credit report I have never missed a payment in the month of XX/XX/2022 or any months after. Pleas update the month of XXXX to either ON TIME, NO DATA/DATA UNAVAILABLE, or DELETE ACCOUNT altogether : Creditor Name : XXXX XXXX Account number : XXXX The information regarding this account is inaccurate because I dont have a contract with this company. This is a fraudulent account. This needs to be deleted immediately because it is detrimental to my Credit report and score. 
The following supporting documents are enclosed for your review : 1. Identity Theft Report 2. CARES ACT Your company is in clear violation of the law. Under 15 US C 1681b permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates. 

Did I give you written instruction to furnish this on my credit report? 

Furthermore, the fair credit reporting act 15 USC 1681b ( 2 ) ( a ) ( 1 ) Exclusion from a consumer credit report clearly states : ( 2 ) EXCLUSIONS -- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this tile, any- ( i ) Report containing information solely as to transactions or experiences between the consumer and the person making the report. 


Delete the above late payments from any consumer report, this agency is in violation of 15 USC 168i. 



Creditor Name : XXXX XXXX XXXX XXXX Account number : XXXX The information regarding this account is inaccurate because I dont have a contract with this company. This is a fraudulent account. This needs to be deleted immediately because it is detrimental to my Credit report and score. 
The following supporting documents are enclosed for your review : 1. Identity Theft Report 2. CARES ACT Your company is in clear violation of the law. Under 15 US C 1681b permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates. 

Did I give you written instruction to furnish this on my credit report? 

Furthermore, the fair credit reporting act 15 USC 1681b ( 2 ) ( a ) ( 1 ) Exclusion from a consumer credit report clearly states : ( 2 ) EXCLUSIONS -- Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) Subject to section 1681s-3 of this tile, any- ( ii ) Report containing information solely as to transactions or experiences between the consumer and the person making the report. 


Delete the above late payments from any consumer report, this agency is in violation of 15 USC 168i. 



Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this account on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681a ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 
Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, BRENTON BETTS Enclosed : copy of ID and Utility Bill showing proof of address Under federal law, you have ( 30 ) days to complete your re-investigation. I am requesting that you RE-INVESTIGATE those items indicated, and promptly delete any unverifiable, inaccurate, or outdated information from my credit report. In addition, I am requesting a description of how the re-investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 



This letter is a formal complaint that you are inaccurate and incomplete credit information. 

15 USC 1681e ( b ) Compliance and procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure Maximum possible accuracy of the information concerning the individual about whom the report relates. 

Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 

I demand to see verifiable PROOF ( i.e an original consumer contract with my signature on it ) that you have on file for the account ( s ) listed below. Or a CERTIFICATION from the creditor that certified the accuracy and completeness of the information/account. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the account listed below. 

I demand that the following account ( s ) be validated or DELETED immediately : Creditor Name : XXXX XXXX Account number : XXXX The information regarding this account is inaccurate because I dont have a contract with this company. This is a fraudulent account. This needs to be deleted immediately because it is detrimental to my Credit report and score. 
The following supporting documents are enclosed for your review : 1. Identity Theft Report 2. CARES ACT Your company is in clear violation of the law. Under 15 US C 1681b permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates. 

Did I give you written instruction to furnish this on my credit report? 

Furthermore, the fair credit reporting act 15 USC 1681b ( 2 ) ( a ) ( 1 ) Exclusion from a consumer credit report clearly states : ( 2 ) EXCLUSIONS -- Except as provided in paragraph ( 3 ), the term consumer report does not include ( C ) Subject to section 1681s-3 of this tile, any- ( iii ) Report containing information solely as to transactions or experiences between the consumer and the person making the report. 


Delete the above late payments from any consumer report, this agency is in violation of 15 USC 168i. 


Creditor Name : XXXX XXXX XXXX XXXX Account number : XXXX The information regarding this account is inaccurate because I dont have a contract with this company. This is a fraudulent account. This needs to be deleted immediately because it is detrimental to my Credit report and score. 
The following supporting documents are enclosed for your review : 1. Identity Theft Report 2. CARES ACT Your company is in clear violation of the law. Under 15 US C 1681b permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates. 

Did I give you written instruction to furnish this on my credit report? 

Furthermore, the fair credit reporting act 15 USC 1681b ( 2 ) ( a ) ( 1 ) Exclusion from a consumer credit report clearly states : ( 2 ) EXCLUSIONS -- Except as provided in paragraph ( 3 ), the term consumer report does not include ( D ) Subject to section 1681s-3 of this tile, any- ( iv ) Report containing information solely as to transactions or experiences between the consumer and the person making the report. 


Delete the above late payments from any consumer report, this agency is in violation of 15 USC 168i. 



Under federal law, you have ( 30 ) days to complete your re-investigation. I am requesting that you RE-INVESTIGATE those items indicated, and promptly delete any unverifiable, inaccurate, or outdated information from my credit report. In addition, I am requesting a description of how the re-investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 

My full name is XXXX XXXX ___________________________________ Beneficiary, XXXX, Secured-party to the Social Security XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief