Consumer complaint received 2022-12-27
Company: Experian Information Solutions Inc.
State: CA
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 has violated many consumer rights. Under Title 15 USC 1681 604 ( a ) ( 2 ) a consumer reporting agency CAN NOT furnish any account without my consent. Experian continues to defy my demands and report inaccurate accounts.

Experian has failed to provide me with their investigation process. Has failed to provide me with any documents and proof of validation.

Experian has also abused my privacy rights. Under Title 15 USC 1681 602 ( a ) it states I have a right to privacy and Experian continues to engage in abusing my rights.

They have also engaged in defamation of my character.

I have made several attempts to dispute fraudulent items and have also made countless CFPB complaints. 

Complaint IDs : XXXX ; XXXX ; XXXX These 3 complaints have been ignored. 

Experian continues to list accounts in my credit report such as XXXX opened on XX/XX/XXXX for the amount of {$2600.00}. Account # XXXX Experian is in violation of FCRA section 611 part ( A ) ( 1 ) Experian also keeps reporting an account from XXXX XXXX opened XX/XX/XXXX with a balance of {$510.00}. I even received a letter from XXXX XXXX back in XX/XX/XXXX of XXXX that the account would be removed. I sent the letter to experian and they investigated the account and determined the account was still valid. Which leads me to believe that experian DOES NOT conduct a thorough and proper investigation. Even with proof from XXXX XXXX and I also have a phone call recording with XXXX XXXX XXXX that they sent a request to experian to have it removed and experian continues to defraud me and defame my character. 

Experian also continues to fraudulently report a XXXX account opened on XX/XX/XXXX. With account number # XXXX. Experian never had my oral or written consent to report this account. 

Experian also continues to fraudulently report a XXXX account opened on XX/XX/XXXX. With account number # XXXX with a balance of {$1500.00}. Experian never had my oral or written consent to report this account. 

I never gave experian any written instructions to furnish any of these accounts which is a violation of Title 15 USC 1681b and Experian has caused me severe anxiety, and stress due to their abusive and unfair practices. 

The standard for unfairness in the Dodd Frank act is that an act or practice is unfair when : ( 1 ) it causes, or is likely to cause substantial injury to consumers And Experian has caused me emotional and financial injury.

According to 15 USC 1681 ( a ) ( 2 ), an elaborate mechanism must be developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

Experian falsely reported information that resulted in defamation of my character. Further, experian created a deceptive form that made the creditors and employers believe that I was in debt, though you could not prove its validity.

If the debts were valid, Experian created a false impression that I was not able to pay the alleged debts.

As a result, I was discriminated against and denied my right to extend credit. I also suffered emotional as well as financial hardship. Therefore, the Experian Company is liable according to 15 USC 1681o. 

I hereby put Experian on notice and would like to inform Experian that I never gave consent to this report being furnished by experian on my behalf and I am also aware of the fact that experian assumed a vital role. As a result, my livelihood has been adversely affected. 
There is no such law that states anything that needs to be reported to a consumer reporting agency. Therefore, Experian is liable. 
Further, pursuant to 15 USC 1681 ( a ) ( 4 ), a consumer reporting agency must exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

Experian neither exercised its responsibilities with fairness and impartiality nor protected my right to privacy.

I request Experian to give me a piece of evidence that the information which is being reported has been properly investigated. Also, provide us with/the details of the system adopted by the Experian organization to determine whether the transaction took place or not.

Further pursuant to 15 USC 1681 ( a ) ( b ) the Experian organization did not adopt such procedures that meet the need of commerce for consumer credit.

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