Consumer complaint received 2022-05-01
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
on XX/XX/2022 I contacted all three major credit reporting agencies ( Experian, XXXX XXXX, XXXX ) and requested my consumer credit report because of fraudulent activity. I also opted out of any solicitation from all credit reporting agencies and or its subscribers. I also asked that all third party reporting agencies be frozen as-well. However, ( Experian ) has continued to send continued solicitation to my personal email without my consent soliciting credit cards and insurance policy quotes even after opting out on their website on XX/XX/2022. They put a fraud alert and extended fraud alert on my consumer credit report that was done thru them being notified by a third party and not me the consumer ( XXXX XXXX ). This company isn't doing their due diligence when it comes to consumers because if you notice they didnt spell my name right in their first email explaining they had been notified by their third party which they didn't name. I am requesting which company notified them so that I may render them liable as-well for providing information that I did not give permission to apply any information to my consumer report from no third party. I have asked for items that are inaccurate on my consumer credit report to be investigated and verified only to have Experian give me lies and no proof of them verifying the information that is inaccurate on my consumer report. I have attached all their corresponding information that proves that this company does what it chooses with consumer reports and not following any guidelines or any laws even when governed by the FCRA. I have the right to privacy and the right to dispute inaccurate information and also to pot out of solicitations from Experian and it's subscribers. The only correspondence I want to receive from Experian, XXXX and XXXX XXXX is in relations to my information being reported on my consumer report. For this violation of the law I seek monetary damages. Attached i have enclosed screenshot 's of the emails and the dates asto which they sent the solicitations that I have asked to be opted out of. Since XX/XX/2022 they have sent emails daily, which their are so many I got confused when trying to gather each one for submission to this complaint. 


15 U.S. Code 1681n - Civil liability for willful noncompliance : ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 
( b ) Civil liability for knowing 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.

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