Consumer complaint received 2022-03-14
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Experian has violated federal laws and I am here to prove it. They are reporting accounts to my credit report without consulting with me first and getting written consent. This is violating 15 USC 1681 ( 2 ) I never gave Experian written consent to present the following accounts on my report and they have failed to prove it. This gave the furnisher of these accounts inaccurate information & an unfair advantage over me and has caused detriment to my credit profile. 
15 USC 1681 ( a ) ( 1 ) Congress clearly states that the banking system is dependent upon my consumer reports being fair and 100 % accurate to me. When I disputed the information Experian stated that the information is accurate without completing a fair & thorough investigation or consulting me first. The company has violated unethical practices Pursuant to 15 USC 1681 ( a ) ( 2 ) Experian uses an automated non-human mechanism that has assembled information on me without my consent. The proof of this is that they are using a system called E-OSCAR which is a computer-operated algorithm that gives you an unfair advantage because my disputes never made it to a natural, living human being who can assess what I am saying. They used this computer to scan for keywords and responded with a generic response. This makes it clear that they are not worthy of the role they assumed. According to law 15 USC 1681 ( a ) ( 3 ), they are not given this role by any type of government authority, nor did I give them my written consent. I am demanding that Experian comply with my demands because their unethical practices have caused damage & unfair credit reporting on my behalf. Under 15 U.S. Code 1681b Permissible purposes of consumer reports, I never gave any written consent to report these accounts on my consumer report & under US law this is identity theft. 
I demand that Experian immediately remove the following accounts & inquiries from my credit report, If not I will proceed to take immediate illegal action for each violation on my report. : 1. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report this is identity theft. This account is also outdated which is another violation to federal law & I have reported to the CFPB XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately. 

2. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report this is identity theft. 
XXXX Date Opened : XX/XX/XXXX Account XXXX : XXXX As a consumer by law this account must be deleted immediately. 

3. The following inquiry was not authorized by me XXXX XXXX  Date : XX/XX/XXXX Immediately remove it from my credit report 4. The following inquiry was not authorized by me XXXX Date : XX/XX/XXXX Immediately remove it from my credit report 5. The following inquiry was not authorized by me XXXX XXXX XXXXXXXX Date : XX/XX/XXXX Immediately remove it from my credit report

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