Consumer complaint received 2021-12-01
Company: Experian Information Solutions Inc.
State: DE
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:
Experian ( Experian ), employees, agents, Officers, successors and assigned and all other similarly situated Jointly and severally acting on behalf of XXXX, hereinafter referred to as Experian, has violated Federal Law, the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681n Civil Liability for willful noncompliance and 1681b and section titled Permissible purpose of consumer report ( federal law violation ) by placing derogatory remarks, negative activity/items, and UNVERIFIED information on my consumer file which is a violation of federal law and the FCRA. Experian, has also violated 15 U.S. Code 1 by way of Restraint of Trade and Commerce by providing various companies that I the Consumer, Natural Person and original creditor attempted to conduct consumer transactions with false and misleading Unverified information that had a negative impact resulting in an undesirable outcome on my consumer transactions with various companies causing restraint of trade as aforementioned above. The Said Conduct by Experian, has caused me to suffer severe humiliation, embarrassment, emotional distress, mental anguish and physical discomfort, and denied me my right to extend credit and conduct consumer credit transactions as a original creditor pursuant to 15 U.S. Code 1692c ) ( c ) ( 2 ), 1692 ( a ) which is a restraint of trade and commerce pursuant to 15 U.S. Code 1 Trusts, etc., in restraint of trade illegal ; Every contract, combination in the form of trust or otherwise, or conspiracy, in restraint of trade or commerce among the several States, or with foreign nations, is declared to be illegal. Every person who shall make any contract or engage in any combination or conspiracy hereby declared to be illegal shall be deemed guilty of a felony, and, on conviction thereof, shall be punished by fine not exceeding {>= $1,000,000} if a corporation, or, if any other person, {>= $1,000,000}, or by imprisonment not exceeding 10 years, or by both said punishments, in the discretion of the court. I, XXXX XXXX XXXX, consumer/trustee of XXXX XXXX XXXX XXXX natural person and Original Creditor am INVOKING MY SPECIAL REMEDY as CONSUMER, Natural Person pursuant to but limited to : 15 U.S. Code 1681n - 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; in accordance with Trustee/Consumer/Natural Person for XXXX XXXX XXXX directions pursuant to 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I, XXXX XXXX XXXX consumer/trustee of XXXX XXXX XXXX XXXX natural person and Original Creditor hereby DEMAND that EXPERIAN, XXXX DELETE ALL negative activity items from the account. DELETE ALL soft inquiries from the account, DELETE ALL hard inquiries from the account and KEEP the account score at XXXX AT ALL TIMES ALWAYS and PAY the invoice for their violations of federal consumer laws to me in USD IMMEDIATELY. This includes following the directions of the documents sent to EXPERIAN, via certified mail. If action is not taken by you then it is the job Experian to settle this matter or of the Delaware and United States Attorney Generals pursuant to Title 15 U.S. Code 4 - Jurisdiction of courts ; duty of United States attorneys ; procedure The several district courts of the United States are invested with jurisdiction to prevent and restrain violations of sections 1 to 7 of this title ; and it shall be the duty of the several United States attorneys, in their respective districts, under the direction of the Attorney General, to institute proceedings in equity to prevent and restrain such violations. Such proceedings may be by way of petition setting forth the case and praying that such violation shall be enjoined or otherwise prohibited. When the parties complained of shall have been duly notified of such petition the court shall proceed, as soon as may be, to the hearing and determination of the case ; and pending such petition and before final decree, the court may at any time make such temporary restraining order or prohibition as shall be deemed just in the premises. I pray that all parties act in good faith and clean hands.

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