Consumer complaint received 2023-12-17
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Sent to Experian by mail XX/XX/XXXX VIOLATIONS PER PRIVACY ACT OF 1974 Per FCRA as a federally protected consumer I am now opting out of any and all authorizations of Experian due to failure to respond or answer my DECLARATION TO CURE, AND OPPORTUNITY FOR COST AVOIDANCE. I, the consumer, has not given Experian written, unwritten, verbal, or non verbal authorization per 15 USC 6802. As of XX/XX/XXXX I revoke all authorizations for failure to comply and breach of fiduciary duties. In complaint XXXX Experian has failed me as a consumer as there has been no response as of XX/XX/XXXX as the complain was uploaded to portal XX/XX/XXXX and there had been no changes to my credit file There are numerous inaccuracies that show up on my Experian report XXXX that don't show on my XXXX Report # XXXX Addresses attached to Experian Report don't show on my XXXX so please delete these addresses as you are in violation of 15 USC 1681 ( b ) as there are proven inaccuracies.

Please delete the following addresses as they are non-mailable addresses to the consumer : XXXXXXXX XXXX XXXX XXXX XXXXXXXX TN, XXXX, Address ID # XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX SC, XXXX, Address ID # XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ID # XXXX Single family Also on my Experian report XXXX shows collections that don't show on my XXXX Report XXXX which is a violation of 15 USC 1681 ( b ) as these are inaccuracies Account Name XXXX XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$330.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXXXXXX  Balance {$330.00} Balance Updated XX/XX/XXXX Recent Payment - Monthly XXXX XXXX XXXX XXXX IN POTENTIALLY NEGATIVE Account Name XXXX XXXX XXXX IN Account Number XXXX Account Type Debt Buyer Responsibility Individual Date Opened XX/XX/XXXXXXXX  Status Collection account. 
Status Updated XXXX XXXX  Balance {$2300.00} Balance Updated XX/XX/XXXX Recent Payment - Monthly Payment - Original Balance {$2300.00} Highest Balance - Terms 1 Months On Record Until XX/XX/XXXXXXXX XXXX  Account Name XXXX XXXX XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$1800.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$1800.00} Balance Updated XX/XX/XXXX Recent Payment - Monthly Payment - Original Balance {$1800.00} Highest Balance - Terms 1 Months On Record Until XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$920.00} past due as of XX/XX/XXXX XXXX 
Status Updated XX/XX/XXXX Balance {$920.00} Balance Updated XX/XX/XXXX Recent Payment - Monthly Payment - Original Balance {$920.00} Highest Balance - Terms 1 Months On Record Until XX/XX/XXXX I have attached my XXXX report on page 4 of 50 shows NO COLLECTIONS so why are they showing on my experian report My question to Experian is where did you get these accounts and addresses as this is a violation of the PRIVACY ACT OF 1974 which states that as a consumer I have the right to request my records, subject to Privacy Act exemptions ; the right to request a change to their records that are not accurate, relevant, timely or complete ; and the right to be protected against unwarranted invasion of their privacy resulting from the collection, maintenance, use, and disclosure of their personal information. 
As there are some inconsistencies and inaccuracies information on a few accounts that need to be deleted immediately in violation of 15 U.S Code 1681 ( b ) and 15 U.S. Code 6801 - Protection of nonpublic personal information. 
Account Info Account Name XXXX XXXX XXXX Account Number XXXX Account Type Auto Loan Responsibility Individual Date Opened XX/XX/XXXX Status Transferred, closed. {$18000.00} written off. 
Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment - Original Balance {$20000.00} Highest Balance - Terms 63 Month The following account shows terms as 63 months on the XXXX report shows 6 that is a huge inaccuracy also on the Experian report shows an original balance and XXXX does not show an original balance, a last reported payment or the balance of {$0.00} per the XXXX report. 

Account Info Account Name XXXX XXXXXXXX Account Number XXXX Account Type Credit card Annual Credit Report - Experian report page 5 of 49 XX/XX/XXXX, XXXX XXXX Responsibility Individual Date Opened XX/XX/XXXX Status Account charged off. {$790.00} written off. {$790.00} past due as of XX/XX/XXXXXXXX  Status Updated XX/XX/XXXX Balance {$790.00} Balance Updated XX/XX/XXXXXXXX  Recent Payment - Monthly Payment - Credit Limit {$600.00} Highest Balance {$790.00} Terms - On Record Until XX/XX/XXXX THIS ACCOUNT DOES NOT SHOW ON MY XXXX REPORT With XXXX doing their due diligence and investigating and deleting the following information per my request I ask you to follow suit as this is a violation of my rights and I'm asking to settle this matter now before arbitration. I have attached my POA for representation of the name XXXX XXXX as well as my passport card as proof of identity. 

( Demand of Settlement ) + Damages Seeking {$2000.00} per violation for : 1. Negligent Enablement of Identity Fraud, 2. ) Violations of the Fair Credit Reporting Act, 4. ) Seeking {$1000.00} per violation per account of United States Codes- 15 U.S.Code 1681s2,15 U. S. Code 6802 ( a ), 15 U.S.Code 1681 section 602 A, 15 U.S. Code 1681 Section 604 A Section 2, 15 U.S. Code 1681 Section 604 A Section 2, and 4. ) Deletion of all accounts in violation of the FCRA. Just for the violations of each account updated after notice of dispute Asking for 15,000 10,000 FOR FCRA violations alone add 5,000 for continuing to violate my right after i have begged you to update my credit file

Company response to consumer: In progress