Consumer complaint received 2023-09-10
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Hi, my name is XXXX XXXX. Your credit bureau has violated my rights as a credit consumer. I am highly upset because your agency has caused me to not be qualified for the dream job and dream car I planned on purchasing. I have the cash to purchase the vehicle but my inaccurate credit report is the reason I am unable to obtain the things I want. I spoke with a credit attorney based upon your violations under FCRA and I was informed that your company is in violation. This is my final attempt prior to litigation. The FRCA states 15 U.S.C 1681 ( a ) 4 states that I have rights to privacy. Those rights to my privacy have been violated because there are accounts on my credit report without my permission. 15 U.S.C 1681b ( a ) ( 2 ) specifically states that any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the written instructions of the consumer to whom it relates. I AM THE CONSUMER THAT THIS RELATES TO AND I DID NOT GIVE YOU WRITTEN INSTRUCTIONS. Your actions are equal to AGGREVATED IDENTITY THEFT! Let me explain, the FRCA states in 18 U.S. Code Section 1028A that Aggravated Identity Theft is WHOEVER knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. You are knowingly possession information on my credit report without lawful authority and the punishment can be up to 2 years in prison. Please delete these accounts immediately. You have violated so many laws within identity theft and permissible purposes. 15 US Code 1681 c-2 states a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
I have provided all XXXX attached. THESE ACCOUNTS HAVE TO BE DELETED AND BLOCKED WITHIN 4 DAYS OF RECEIPT. 

Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$28000.00} Account Name : XXXXXXXX XXXX Account number : XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00} If you attempt an illegal investigation without interviewing my neighbors, friends, or associates then that is a violation as well. Let me explain, The FCRA states by definition, in order to investigate my consumer report you must get information on my character, general reputation, personal characteristics, or mode of living through personal interviews with my neighbors, friends, associates, or others who I am acquainted to who may have knowledge concerning the items on my consumer report. By definition the FCRA also states however such information SHALL NOT INCLUDE SPECIFIC FACTUAL INFORMATION OBTAINED DIRECTLY FROM A CREDITOR OF THE CONSUMER OR FROM A CONSUMER REPORTING AGENCY. In other words, my neighbors, friends or associates MUST be interviewed and information SHALL not be received verifying anything from a creditor or consumer agency. You are in violation and I am expecting you to have the integrity to hold your company accountable of these violations and delete the listed accounts. Do what you want with this information. I will keep notice of every response in case your agency is under civil liability due to being willful noncompliant to deleting the accounts. I am giving you the opportunity to delete these accounts or I will not hesitate to take your agency to FEDERAL COURT. There in Federal Court I will simply request a small claim of {$50000.00} for 1. ) Defamation, 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury. Also, I will I will request {$1000.00} per violation and someone will be responsible for those 2 years in prison for these damages causes, which is also in the FRCA. Along with the account deletions. 
I AM REQUESTING THE ORIGINAL COPY OF THE AGREEMENT AND TERM & CONDITIONS. PLEASE DO NOT VERIFY THESE ACCOUNTS WITHOUT PROVIDING ME ORIGINAL AGREEMENT, MY WRITTEN INSTRUCTIONS TO FURNISH ONTO MY CREDIT REPORT, AND MY SIGNATURE ON THE AGREEMENT. FAILURE TO COMPLY WILL FORFEIT YOUR CLAIMS AND WILL REQUIRE YOU TO DELETE ALL OF THE ITEMS LISTED. 

Account Name : XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$28000.00} Account Name : XXXXXXXX XXXX  Account number : XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00} 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 this notice. I LOOK FORWARD TO YOUR RESPONSE.

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