Consumer complaint received 2023-07-03
Company: Experian Information Solutions Inc.
State: AZ
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:
I XXXX XXXX XXXX, am writing today to assert my federally protected consumer rights, and complain about the way the consumer reporting agencies have misused my Personal Private Information in accordance with the Gramm-Leach-Bliley Act. These three consumer reporting agencies have discriminated against me in pursuant to 15 U.S.C1691 ( a ) ( 3 ) and have broken MANY other laws including but not limited to : 15 U.S.C 1681 ( 2 ) ( b ) and 15 U.S.C. 1681 ( n ) ( a ).

I have attempted to rectify this situation via an Affidavit ( Attached ) and received replies from the agencie 's that 'my " credit score is valid and accurate. 

On XX/XX/XXXX, I sent all three consumer reporting agencies an affidavit via Certified Mail XXXX XXXX, explaining that they have violated my rights and a way to remedy. 

The credit score these consumer reporting agencies have furnished for me has never been 'authorized ' by me at any time, and the contents of my score are also not valid or correct.

In my affidavit, I annotated the incorrect items which were displayed on my user profile 's on their respective websites.

Each of the agencies wrote back saying that the credit score was valid and accurate.

15 U.S.C. 1681b ( a ) ( 2 ), states : any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 
There has never been any written consent from me as the natural person and consumer to allow any consumer reporting agency to furnish my consumer report. 

I demand that Experian, XXXX and XXXX remove the items that I annotated in my affidavit ( under Exhibit A ). These items on the score have been illegally furnished on the credit report and should not be there as I do not consent to them. 

Furthermore, I also sent accompanying my affidavit, a Demand for Equitable Remedy.

For breaking the law, and violating my rights as a federally protected consumer, I demand the remedy be paid.

Totaling {$18000.00} for 18 separate violations. 
I am demanding that all three of the consumer reporting agencies ( XXXX, XXXX XXXX Experian ) that were illegally reporting on my consumer report, pay {$18000.00} for XXXX seperate violations. 

To be clear, the Demand for Equitable Remedy is {$18000.00} from each one of the consumer reporting agencies, totaling {$56000.00}. That is 18 violations from each one of the consumer reporting agencies. A total of 56 violations.

I have been denied credit, job opportunities, and financial opportunities because of these inaccuracies.

I have not and do not consent to these items on my report. I demand for them to be removed and I demand to be paid.

I will also submit complaints to the XXXX XXXX XXXX  and the Arizona State 's Attorney.

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