Consumer complaint received 2023-09-22
Company: Experian Information Solutions Inc.
State: TX
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:
Formerly, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. 


To : EXPERIAN, INC. 
EIN XXXX After thorough review and numerous attempts to correct my credit report with the credit reporting agency Experian directly, my credit report has numerous Fair Credit Reporting Act violations of items prohibited under law to which Experian is governed. These include transactions and experiences such as : late payments, charge-offs, delinquent or missed payments, incorrect addresses, the furnishing of copies of my personal information by report to third-parties without authority, and other incorrectly displayed personal information. The credit report attached has red highlighted structures of the numerous violations and this letter details the violations to which is a further attempt by the consumer to correct his credit report. This letter contains multi-colored text in red and black, underlines, quotes, italics, bold text, symbols, pictures of reference documents, and other content structures. 
Pursuant 15 U.S. Code 1681a, 12 CFR 1090.104, P.L 90-321 ( 82 Stat. 146 ). You are only allowed by law to furnish a copy of my credit report, under the following circumstances and no other : ( 4 ) 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 ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individuals capacity to make child support payments or determining the appropriate level of such payments ; ( B ) the paternity of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; ( C ) the person has provided at least 10 days prior notice to the consumer whose report is requested, by certified or registered mail to the last known address of the consumer, that the report will be requested ; and ( D ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. 
( 5 ) To an agency administering a State plan under section 654 of title 42 for use to set an initial or modified child support award. 
( Note : I do not have a child and would not need to provide support to a child therefore it is moot to furnish a copy of my report or information contained within to anyone ; and especially without my written consent ) Also, the code of conduct under the act is for the reporting agency to carry out their responsibilities and duties with fairness, impartiality, and a respect for the consumers right to privacy. As such, I did not provide written instructions to Experian consenting to add anything to my credit report pursuant 15 U.S. Code 1681b. 
Pursuant 15 U.S. Code 1681c, Experian has added without my authorization adverse item ( s ) or information and it is considered identity theft pursuant 12 CFR 1022.3. Experian is also violating compliance procedures pursuant 15 U.S. Code 1681e by violating section 1681b and 1681c regarding permissible purposes, accuracy and subsequently inaccurate information is contained in my report. As thus described, a detailed and specific itemization of the current violations are outlined below : Employers : Information is incorrect. I am self-employed however ; I do not consent to Experian adding this to my report. Remove and leave blank. 

Addresses : Remove invalid address. ( View PDF ) I hereby opt-out of Experian sharing my personal information including selling and reselling my report or the information contained to a third-party. For clarity, Experian does not have my consent to share, sell, or resell my information. 

Violations : 15 U.S. Code 1681e ( b ) XXXX XXXX XXXX Name of account and account number incomplete and is to be furnished to the consumer. 

Violations : FCRA 15 U.S. Code 1681a, 15 U.S. Code 1681c, 12 CFR 1090.104 Experiences and Transactions listed. No adverse item besides the conviction of crimes should be on my report. All status items regarding charge-offs, transactions under payment history denoting derogatory marks are not allowed on my report and are to be removed immediately. 

XXXX XXXX XXXX XXXXXXXX Account number incomplete and is to be furnished to consumer. 

Violations : FCRA 15 U.S. Code 1681a, 15 U.S. Code 1681c, 12 CFR 1090.104 Experiences and Transactions listed. No adverse item besides the conviction of crimes should be on my report. All status items regarding charge-offs, transactions under payment history denoting derogatory marks are not allowed on my report and are to be removed immediately. 

Furthermore, the alleged debt was cancelled by company in the amount of {$51000.00} denoting a refund owed to consumer. 

XXXX XXXX XXXX Account number incomplete and is to be furnished to consumer. Previously requested by consumer. 

Violations : FCRA 15 U.S. Code 1681a, 15 U.S. Code 1681c, 12 CFR 1090.104 Experiences and Transactions listed. No adverse item besides the conviction of crimes should be on my report. All status items regarding charge-offs, transactions under payment history denoting derogatory marks are not allowed on my report and are to be removed immediately. 

Note : The account can not be charged off multiple times after closure. Any amount after a charge-off, closure, and cancellation are invalid. 

Furthermore, the alleged debt was cancelled by company in the amount of {$33000.00} denoting a refund due to consumer.

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 non-monetary relief