Consumer complaint received 2023-08-04
Company: Experian Information Solutions Inc.
State: VA
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:
On XX/XX/2023, I mailed a letter to Experian stating the following : I, XXXX XXXX XXXX XXXX ( Affiant ), hereby declare and acknowledge that this Affidavit is for the purpose of correcting an error located on the following accounts : ( The accounts below are authorizations or approvals of specific extensions of credit, directly or indirectly by the issuer of a credit card or similar device. ) Account : XXXX XXXX XXXX Account Number : XXXX Description of Error : Non-Compliant with FRCA [ 15 U.S.C. 1681a ] Description of Correction : Deletion of account ; off credit profile Account : XXXX XXXX Account Number : XXXX Description of Error : Non-Compliant with FRCA [ 15 U.S.C. 1681a ] Description of Correction : Deletion of account ; off credit profile Account : XXXX XXXX Account Number : XXXX Description of Error : Non-Compliant with FRCA [ 15 U.S.C. 1681a ] Description of Correction : Deletion of account ; off credit profile Pursuant, Fair Credit Reporting Act, 603. Definitions ; rules of construction [ 15 U.S.C. 1681a ] ( d ) Consumer Report o ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility. 
( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 624, any o ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.

Page 2 of Fair Credit Reporting Act, https : //www.consumer.ftc.govXXXX Pursuant, 15 U.S.C. 1681a ( d ) ( 2 ) ( B ), any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device is supposed to be excluded from my consumer report.

Pursuant, 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), reports containing information solely as to transactions or experiences between the consumer and the person making the report ; must be excluded from my consumer report.

I demand these accounts from my consumer report to be deleted. If the accounts listed above arent deleted from my consumer report, I will be forced to pursue litigation.

Pursuant, Fair Credit Reporting Act, 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of o ( 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}.

Page 70 of Fair Credit Reporting Act, https : //www.consumer.ftc.govXXXX

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