Consumer complaint received 2023-01-03
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
The following credit bureaus have VIOLATED MY CONSUMER RIGHTS : Experian XXXX XXXX 15 U.S.C. 1681 section 602 A States I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1666 Billing Error Violation of 15 U.S. Code 1681 - Congressional findings and statement of purpose All three credit bureaus identify themselves lawfully as consumer reporting agencies according to their website ( s ) I was told several times by Experian and other bureaus that they will refuse to remove information from my credit report because " I haven't verified my identity ''. I have already sent them numerous complaints with my correct information such as my social, mailing address from my banking statement, and government ID as well. 

I have reported this information that is invalid on my credit file the bureau has not been able to provide me with a copy of the verifiable proof. Telling me as the consumer that information on credit reports is verified without proof of my natural being signature and written instructions is unlawful. The bureaus aren't above the law and must remove the information listed below and the attached docs such as the identity theft report. 


Additionally, the failure to respond with a free copy of my report after the changes have been made will result in the damages created by the following bureaus ; Experian, XXXX, XXXX The following damages will be taken to civil court on XXXX 2023 in XXXX county if, monetary relief isn't given for the following damages : XXXX ) Defamation of Character XXXX ) Negligent Infliction of Emotional Distress XXXX ) Violation of 15 U.S.C. 1666 Billing Error Violation of 15 U.S. Code 1681 - Congressional findings and statement of purpose 4 ) Violation 15 U.S.C. 1681 section 602 A States I have a right to privacy. 

XXXX ) Violation 15 U.S.C. 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1692k states that I'm entitled to {$1000.00} per violation Each credit reporting agency owes me monetary relief of {$5000.00} in remedy Invalid credit inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX BANK XXXX Invalid accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, HI XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX, FL Invalid employers XXXX XXXX XXXX XXXX XXXX XXXX Invalid names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

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 non-monetary relief