Consumer complaint received 2023-03-26
Company: Experian Information Solutions Inc.
State: PA
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:
EXPERIAN has been DEMANDED to perform their FIDUCIARY DUTIES and EXERCISE THEIR GRAVE DUTIES under CONGRESS and its laws under the FCRA and remove TRANSACTIONAL ACCOUNTS from my consumer report that CONGRESS DEMANDS BE EXCLUDED UNDER 15 USC 1681a ( 1 ) ( 2 ) which CLEARLY and DIRECTLY states -- -- -The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. -- -- -CONGRESS DEMANDS TRANSACTIONAL INFORMATION TO BE REMOVED FROM A CONSUMER REPORT SO WHY IS EXPERIAN REPORTING SAID INFORMATION AGAINST ITS FIDUCIARY DUTIES UNDER CONGRESS AND FCRA . EXPERIAN has instead stated they have VERIFIED the information when NO reinvestigation was requested there for they have committed a BIAS FRUAD investigation because their investigation went against the VERY DEFINITION of " INVESTIGATIVE CONSUMER REPORT '' which states -- -- -- -- -investigative consumer report ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. -- -- -- -. -- - Hence EXPERIAN has stated they have conducted a " REINVESTIGATION '' and have verified the TRANSACTIONAL ACCOUNTS that CONGRESS DEMANDS be excluded from a consumer report I NOW REQUEST THE NAMES AND ADDRESSES of the personal interviews with neighbors, friends, or associates of the consumer who EXPERIAN interviewed . I ALSO REQUEST EXPERIAN ANSWER SINCE THEY DEEM THE INFORMATION IS FACTUAL THEN WHY HAVE THEY INCLUDED SAID INFORMATION when under the DEFINITION under the FCRA of " INVESTIGATIVE CONSUMER REPORT '' it DIRECTLY AND CLEARLY states -- -However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer -- -If EXPERIAN CAN NOT PROVIDE THE REQUESTED INFORMATION AND ANSWER MY QUESTION then they have IN FACT CONDUCTED A BIAS FRAUDULANT INVESTIGATION COMMITTING FRUAD AGAISNT A CONSUMER AND MUST DELETE THE INITIALLY REQUESTED ACCOUNTS IMMIDIATELY! CASE LAW TRW Inc. v. Andrews 15 U.S.C. 1681 ( a ) ( 1994 ed. ) states a contacting the original alleged creditors or lenders to verify ANY account is NOT a SUFFICIENT method of verification.

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