Consumer complaint received 2023-11-11
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
ATTN : Risk Management Officer This is a DEMAND TO COMPLY LETTER with written instruction as it relates to I the consumer Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ). Under the Fair Credit Reporting Act has been established by Congress, your agency role to me the principal, A consumer, in fact, is to adopt reasonable procedures to uphold the need to ensure that your grave responsibilities fairness, impartiality, and respect for my right to privacy must be maintained for maximum possible accuracy. Under 15 U.S. Code 1681e et seq, you may not procure or furnish a consumer report without following 15 U.S. Code 1681b ( a ) ( 2 ) as my written instructions as it relates. There has been a violation of these reasonable procedures because as I showed within my attachments there has been inaccurate and unverifiable information removed from another consumer reporting agency and has not been removed from your system. You should be aware your failure to maintain your reasonable procedures for maximum possible accuracy has resulted in a conspiracy that deprived me of my right pursuant to the Truth In Lending Act subsection 1602 ( f ) to extend new credit for me. This deprivation of my rights is a federal criminal violation under 18 U.S. Code 241. I am well aware of the fact that the reasonable procedures requiring each consumer reporting agency to compile and maintain files on consumers on a nationwide basis shall establish and maintain a notification system jointly with other such consumer reporting agencies pursuant to 15 U.S. Code 1681b ( e ) ( 6 ). 

Understand this is NOT a dispute letter as there is nothing to dispute. I am DEMANDING you, the agent, follow your fiduciary responsibility to me and REMOVE/DELETE the following information from my consumer file. This has been an egregious failure to follow your very own reasonable procedures required by the Fair Credit Reporting Act. 
In the zip file attachment included with this letter, you will see my identifying information as well as my consumer report from XXXX, Experian, and XXXX which shows these inaccurate and unverifiable information. 
However, these accounts are reported to the reporting agencies. This should not exist. You must have joint systems to notify each other of this incorrect information as consumer reporting agencies to maintain the maximum possible accuracy. This is a violation and failure to maintain your reasonable procedures for maximum possible accuracy and is false and misleading reporting. This information is also incorrect and falsely reports Metro 2 fields that do not match XXXX, Experian, and XXXX. I demand these accounts be removed from the consumer report by your consumer reporting agency for the federal law violation of failure to maintain your reasonable procedures for maximum possible accuracy and violation for failing to promptly delete the items of information as required for treatment of inaccurate or unverifiable information pursuant to 15 U.S. Code 1681i ( 5 ) ( A ). 
REMOVE/DELETE the following accounts ; XXXX XXXX XXXX CO XXXX Account Number : XXXX XXXX XXXX XXXX TN XXXX- Account Number : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX - Account Number : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX- Account Number : XXXX, XXXX DEPT OF ED/XXXX- Account Number : XXXX, XXXX , XXXX , XXXX, XXXX, XXXX XXXX  XXXX XXXX / XXXX Account Number : XXXX XXXX XXXX XXXX XXXX- Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX XXXX XXXX- Account Number : XXXX XXXX XXXX XXXX XXXX XXXX- Account Number : XXXX XXXX XXXX XXXX XXXX- Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX- Account Number : XXXX , XXXX XXXX XXXX XXXX- Account Number : XXXX XXXX- Account Number : XXXX REMOVE these accounts UNDER PENALTY OF PERJURY, DELETE these accounts for violation of 15 U.S. Code 1681e, Failure to maintain reasonable procedures, 15 U.S. Code 1681b ( e ) ( 6 ), FDCPA Violation of 15 U.S. Code 1692e False and Misleading reporting, Violation of 15 U.S. Code 1681i ( 5 ) ( A ). Deprivation of Rights 18 U.S. Code 241.

I am demanding my remedy for your willful noncompliance with each violation of the law.

? Violation of 15 U.S. Code 1681e- {$1000.00}? Violation of 15 U.S. Code 1681b ( e ) ( 6 ) - {$1000.00}? Violation of 15 U.S. Code 1692e- {$1000.00}? Violation of 15 U.S. Code 1681i ( 5 ) ( A ) - {$1000.00} Total Amount Due : {$4000.00} I am well aware you have no legal standing in court and there are numerous counts of case law which illustrate the consumer reporting agencys failure to maintain reasonable procedures is grounds for a suit and judgment in favor of the plaintiff. I am not afraid to take legal action to cure my injury brought by each company. 
l am demanding that you remove this transaction from my report immediately as it is a violation of my rights as a federally protected consumer under Title 15 chapter 41. I understand that you are required to notify me within 30 days and provide me with an updated copy of my credit report. Your willful noncompliance has civil liability under 15 U.S. Code 1681n et seq.

CC : Registered Agent CC : CFO/CEO CC : Privacy Compliance Officer CC : CFPB CC : XXXX CC : NYS Attorney General CC : Federal Trade Commission

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