Consumer complaint received 2021-12-16
Company: Experian Information Solutions Inc.
State: MO
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:
This is not a third party, this is XXXX XXXX the natural person and consumer, you are doing this in bad faith and I know this is willful and intentional, this is bad business. 

Experian needs to own up to its mistake. These clowns still are creating problems for me. This is not a third party, this is the consumer/natural person! Not a company or business, this is just me dealing with your breaking of the laws. And I have demanded to be compensated. EXPERIAN has allowed identity theft to happen which was found by me, as a result they have deleted the accounts. Pursuant 15 usc 1681b ( 1 ) ( 2 ) these accounts lacked written from the consumer and were reported without my knowledge, which was willful by EXPERIAN. I discovered identity theft and violating my right to privacy pursuant to 15 usc 1681 ( 4 ). My reputation being dragged through the mud has caused XXXX, and I can not sleep and this was all because of a mistake on the credit reporting agency, and I have suffered for the misuse of my credit file and the accounts were deleted. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, were all fraud. EXPERIAN has violated 15 USC 1681b. EXPERIAN has violated 15 usc 1681c and as a result are violating 15 usc 1681e compliance procedures. As a consumer I am due monetary compensation, pursuant to 15 usc 1681n ( a ) ( 1 ) ( a ) ( b ). I am demanding {$3000.00}. This for each account deleted as a result of the fraud. These clowns have ruined my life and I will pursue litigation if need be. 

I have requested my credit file pursuant to 15 usc 1681 ( g ) The term file, when used in connection with information on any consumer, means all of the information on that consumer recorded and retained by a consumer reporting agency regardless of how the information is stored. I have not received a response and its been months of me requesting this information. 

Also account XXXX XXXX XXXX lack written consent pursuant to 15 USC 1681B ( 1 ) ( 2 ) and have not been investigated according to 15 USC 1681 ( e ) again breaking the FCRA. EXPERIAN has allegedly verified the information but I have not received the correct method of verifying anything according to law, I have asked EXPERIAN to provide me with who was interviewed, what method of verifying pursuant to 15 usc 1681 ( e ) I have asked for EXPERIAN to provide the method pursuant to the investigative consumer report within the FCRA. Please provide me with names of everyone you interviewed/investigated. However, such information shall not include specific factual information on a consumers credit record, according to law and I have not saw a response. I have also submitted a XXXX XXXX XXXX  complaint, you have not responded to this complaint and they are currently waiting for a response back. And I will be sending complaints to the attorney general, FTC, and EXPERIAN registered agents about the lack of following federal law.

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