Consumer complaint received 2022-11-21
Company: Experian Information Solutions Inc.
State: CA
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:
Multiple times I have reached out to Experian. I spoke with representatives during the conversation they told me that I didnt have legal rights to dispute the inquiries that are on my consumer report. There are multiple inquiries that are on my report Ive asked and spoken with them on the 15 USC 1692E I have a right to privacy these rights under the FCRA have been violated by every turn throughout the course of me litigating in speaking with those at Experian these are the accounts that are on my consumer report that I steal not been taken off my consumer report XXXX XXXX XXXXXXXX XXXX  Inquiry XXXX Phone Number XXXX XXXX All Banks - non specific XXXX Inquiry Type : XXXX XXXX  - non specific XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Finance Companies - non specific XXXX. XXXX XXXX XXXX XXXX Inquiry Date XXXX Auto Financing Companies XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute Inquiry Type : Automobile Dealers, New XXXX XXXX XXXX XXXX XXXX XXXX Automobile Dealers, New XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Used XXXX Be advised this is an identification theft notice 1 am requesting fraudulent accounts on my consumer report removed under Federal law, and I have sent this notification to all of the creditors and consumer reporting agencies and have sent multiple documents supporting my claims Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to the fore said items that you are reporting to my consumer reports at this time I will also inform you that if your offices have or continue to report invalidated information this includes ( XXXX, Experian, XXXX XXXX ), this action might constitute fraud under both federal and state laws. 15 U.S. Code $ 1681c-2 - Block of information resulting from identity theft Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 15 U.S. Code 1681n Civil liability for willful noncompliance I am sure your legal staff will agree that non-compliance with this request could put our company in serious legal trouble with the FTC and other state or federal agencles. 
If your offices can provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all reporting activity must cease and desist. 15 U.S.C 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent authority, Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This is violation 15 USC S 1681b Permissible purpose of consumer reports ( a ) IN GENERAL, Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
As a consumer, I am demanding a deletion of the following account 's This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your agency fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. It would be advisable that your records are in order before I am forced to take legal action. This letter is in response to your recent claim that the banks listed in this PACKAGE and all UNAUTHORIZED INQUIRIES Yet again, you have failed to provide me with a copy of any viable evidence from these banks and the fraudulent use of my identity in connection with these inquiries are a violation of USC 15 1681b and USC 15 1681 of the FCRA Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. Additionally, please provide the name, address, and telephone number of each person contacted at XXXX XXXX XXXX XXXXXXXX ) regarding this alleged account. I am formally requesting a copy of any documents provided by ( XXXX XXXX  ), bearing my signature, showing that I have a legally binding contractual obligation to pay them. A bank clerk looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 
Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see XXXX XXXX XXXX, et seg. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC, CFPB and the state of Minnesota Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. 
Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following :

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