Consumer complaint received 2022-03-10
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Today date XXXX XXXX and the fraud from Experian has never stop! 
I have just received the credit report from Experian they have absolutely done nothing to my report and keep fraudulent false information on the account I have never had an account with XXXX  XXXX  also known as XXXX it has been on the account for several years! 
today 's date is XX/XX/2022, and it is stopping our family from getting the proper funds to repair issues with our house and all the issues with the pandemic that reporting agency is absolute scamming or fraud, and it hurts and destroys the American people and nobody in any of the agencies in our country does anything to protect the people. 
Furthermore, I think my last thing I'd like to mention is that the sickness with these credit reporting agencies how they lie steal and rob and increase APR rates has been going on for decades I strongly find that this is a an issue that this person should be arrested and sent to federal prison whoever is putting these information on people fraudulent credit reports CONSUMER ENFOREMENT ACTION As a Federally Protected Consumer, Original Creditor, Principal and Authorized Representative for ALL CAPS NAME on all accounts created by my seal/signature, I order you to make recompense and pay redress and compensation for your trespass against me. You are attempting to extort and rob me using deceptive, misleading and abusive practices against me personally, my family and my household. This is criminal activity at least and unacceptable by every means. 

You have committed several federal violations against me, a Private law abiding Federally Protected Consumer. Each violation is a statutory cost of {$1000.00} each, which does not include my personal cost and fees ( which I determine ) for taking time to address these issues. Violations committed against me include but not limited to : 1. Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission 2. Violated 15 USC 1692c ( b ) ; Communication without prior consent, expressed permission 3. Violated 15 USC 1692d ; Harass and oppressive use of intercourse about an alleged debt.

4. Violated 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to you.

5. Violated 15 USC 1692d ( 2 ) ; Use of obscene or profane language on my report ( saying I owe you a debt ) 6. Violated 15 USC 1692e ; Using false, deceptive or misleading representations 7. Violated 15 USC 1692e ( 2 ) ( A ) ; False representation of the character and amount of the alleged debt 8. Violated 15 USC 1692e ( 2 ) ( B ) ; False representation of any service rendered or compensation 9. Violated 15 USC 1692e ( 8 ) ; Communicating false information 10. Violated 15 USC 1692e ( 9 ) ; Use/distribution of communication with authorization or approval 11. Violated 15 USC 1692e ( 10 ) ; False Representation ( not a party to alleged debt by my consent ) 12. Violated 15 USC 1692e ( 12 ) ; False representation/implication ( innocent purchasers for value ) 13. Violated 15 USC 1692f ; Unfair Practices attempting collect an alleged debt.

14. Violated 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties.

15. Violated 15 USC 1692g ( a ) ( 4 ) Certifiable Validation and Verification of alleged debt ( s ) 16. Violated 15 USC 1692j ( a, b ) ; Furnishing certain deceptive forms. ( You are not a party in the alleged debt ) 17. IDENTITY THIEF ; Obtaining personal identification information without prior consent and creating an account in my name without my knowledge. 
18. Invasion of Individual and Family Privacy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX both are guilty of falsifying credit reports manufacturing false credit card applications forging signatures and many other civil and criminal issues. falsifying the credit reports of XXXX XXXX Experian what damage is well over {$5000.00} and attorney fees legal research and denial of several home equity line of credit 's credit cards and auto loans over the last six years.

You, DEBT COLLECTOR and its representatives/agents is Civilly Liable for your transgression against me, a consumer, under 1692k. I take this lawful action ordering judgement against you. A court of competent jurisdiction can add additional damages it deems necessary. 

For your violations, I am assessing a penalty/fine of {$86000.00} to be settled immediately upon receiving this communication, you have 10 days of receipt of this enforcement action to settle this matter. If you do not comply there will be a {$2500.00} additional penalty per day plus interest. You have agreed and stipulated to this consumer consent order for your participation in interstate commerce, agreeing and stipulating to my terms and for whatever monetary compensation I may arise to. In addition, if you do not comply fully you will be obstructing justice and held in contempt to be tried as a criminal.

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