Consumer complaint received 2023-12-11
Company: Experian Information Solutions Inc.
State: MI
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:
XX/XX/XXXX NOTICE TO DEMAND PAYMENT FOR CONTINUED VIOLATIONS BY EXPERIAN Experian, XXXX XXXX XXXX, XXXX, TX XXXX Experian trades and securitizes my information and claims to have a humane mission statement for caring for community and culture. However, will not do what their goals and mission states they are in existence for. 

XXXX XXXX is the Chief Financial Officer and it seems Experian is singularly concerned with its financial goals to keep consumers information to profit from world wide in the markets, and never clear the reports of inaccurate information that is not verified. 

The vastly inaccurate information on my credit report has been a war waged with Experian since XXXX XXXX  ; and is verified with documentation, CFPB Complaints, certified mail receipts, and pain and sufferings. I AM NOT ASKING FOR A XXXX ADDRESS VERIFICATION. I AS A CONSUMER HAVE SUFFERRED WITH NON VERIFIED AND STALLED TACTICS INFORMATION/INVESTIGATIONS THAT DID NOT PROVE ANYTHING EXCEPT THAT EXPERIAN WAS NOT ADHERING TO FCRA .... 
THE ACCOUNTS HAVE NEVER MATCHED- OPENING AND CLOSING DATES, LAST TIME USED DATES, HIGHEST BALANCE AMOUNTS, AND ABSURD DEROGATORY COMMENTS ARE ALL INCONSISTENT AND WRONG. 

This notice is official documentation showing the inability of Experian to report accurate and updated information on my credit report. This willful non compliance of Experian to deny fair and accurate reporting violates my rights as a consumer. Furthermore, the improper and derogatory reporting from Experian has caused thousands of dollars in loss of credit ; and my mortgage denial. 

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 ( 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 ; If I prove Experian willfully violated the act I am entitled to at least XXXX $ per violation plus any other damages I have sustained as a result of failure to follow the law. If I have to file more than 1 complaint, willful noncompliance can easily be proven as Experian had a full understanding of the violations after I complained the 1st time.

15 U.S. Code 1681b - Permissible purposes of consumer reports 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. 
Experian needs my written consent to add anything to my consumer report if I did not give this authorization that is a violation of the Fair Credit Reporting Act P.L 90-321 ( 82 Stat. 146 ) which is law law that backs the code is even stricter as it states that any agency can only get a consumers report in response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ) 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
No adverse item besides the conviction of crimes should be on my report any item that is a derogatory mark is not allowed into consumer reports this is another violation SEE ALL THE FLAWED AND INACCURATE ACCOUNTS REPORTING BELOW THAT EXPERIAN HAS NOT HELPED WITH OR DELETED MULTIPLE MONTHS IN A ROW.

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