Consumer complaint received 2022-07-09
Company: Experian Information Solutions Inc.
State: AZ
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: Their investigation did not fix an error on your report

Complaint:
I don't owe this debt, that's not me, that's not my debt because public law 73-10 says all debts private and public are paid for. I have sent Experian a letter describing my problem and how I wanted them to fix it. I've tried on numerous of times calling Experian to see if they received my letter. I knew they did because, I certified mailed it to them. Every time I called nobody knew what my letter said nobody even picked up my letter. Then precede to ask me ( this is all on recording ) what's in my letter. I told them by law they have to answer my letter and that I do not consent to an E-Oscar Verification that they will have to follow the law to the T, just like I have to follow the law. According to 15 US code 1681 ( b ) Permissible purposes I have the right to privacy, and they have to know that they have to respect my right to privacy and that they are violating that of a consumer report. The credit bureaus have to get written permission to do anything on my consumer report. I haven't received anything to indicate I gave them anything. They also violating 15 US code 1692 ( g ) Validation of debt, again I told Experian that I didn't want any E-Oscar verification. I want my consumer report verified to the extent of the law. They also violating 15 US code 1692 of the FDCPA, and it reads, it is unlawful for you to use the information submitted by the furnisher of the account. You are supposed to conduct personal interviews like the police and FBI. Then again in 15 US code 1681a ( 2 ) ( Exclusions ) The credit reporting agency violated this because in the law its very clear to the things that you aren't supposed to put on a consumer report. I told them that there is information that is on my consumer report that is resulting of Identity theft. I didn't provide written permission or instructions for the identified transactions to be reported on my consumer report. I said, I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer. I informed them ; you are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of the notice. They failed to comply with the law. 15 US code 1681 ( n ) Civil liability of willful noncompliance, any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. Of all these violations 15 US code 6823 Criminal penalty should apply, because I told them that there violating my rights in my letter that they didn't even read. I called them and asked them if they were going to look at it and they told me that they couldn't see what my letter said I would love for this to be rectified immediately.

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