Consumer complaint received 2023-05-01
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
NOTICE OF INTENT TO FILE A LAWSUIT XX/XX/XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Md XXXX Experian, XXXX XXXX XXXX XXXX XXXX, TX XXXX Re : Report # XXXX / XXXX Sent via certified registered mail To Whom It May Concern : I, XXXX XXXX XXXX DOBXXXX, last 4 SS # XXXX, Is providing This Letter as formal notice of my Intent to File a Lawsuit against Experian for Damages for a Willful Noncompliance of The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681., FCBA-The Fair Credit Billing Act is a 1974 federal law enacted to protect consumers from unfair credit billing practices. It enables individuals to dispute unauthorized charges on their accounts and those for undelivered goods or services. FACTA The Fair and Accurate Transaction Act amends the Fair Credit Reporting Act ( FCRA ) to help consumers combat identity theft ; establish national standards for the regulation of consumer report information ; There are multiple violations that Experian is now responsible for.

Privacy Violations-. Experian performed Unauthorized credit inquiries without my written authorization. A CRA can not release your credit report to anybody. They can only give them to authorized persons. CRAs may disclose your report only to persons or entities that have a valid need, such as : creditors, property owners, insurance providers, utility companies, and employers ( only if you previously consented ).

Furnishing and Reporting Old Information-Experian failed to supply information and keep your credit information current. When your credit circumstances have changed, and the information in your credit report is not updated to reflect these changes. reporting old debts as new or re-aged. reporting an account as active when it was voluntarily closed by a consumer.

Debt Dispute Violations by Experian notify a creditor that you dispute the debt that it has reported. Failed to conduct a reasonable investigation of your dispute. Failed to correct or delete any inaccurate, incomplete, or unverifiable information within 30 days ( about 4 and a half weeks ) of receiving notice of your dispute By Experian Willful Violation of my FCRA, FACTA, FCBA caused a property owner to turn down my application for imperfect credit, turn down for business credit loans with XXXX XXXX due to imperfect credit, too many inquiries NOTICE OF INTENT TO FILE A LAWSUIT XX/XX/XXXX XXXX Experian, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Re : Report # XXXX / XXXX 1. Reporting Inaccurate Names than legal name XXXX XXXX XXXX, my Identification is on File with EXPERIAN. Provided my Drivers License. PLEASE DELETE INFORMATION FROM CREDIT REPORT. 
NAMES NEEDS TO BE DELETED FRO CREDIT REPORT : XXXX XXXX XXXX 2. Reporting Inaccurate Address other than legal address on Identification XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Md. XXXX PLEASE DELETE INFORMATION FROM CREDIT REPORT. 
XXXX XXXX XXXX, XXXX, Md. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Md XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Md. XXXX NOTICE OF INTENT TO FILE A LAWSUIT XX/XX/XXXX XXXX Experian, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Re : Report # XXXX / XXXX 3. Reporting Incorrect Information/ Provide proof of deliquent debts. PLEASE UPDATE or DELETE FROM CREDIT REPORT, the information listed is inaccurate, the creditor was to delete from report, I closed the accounts : I will be enforcing my rights by filing a complaint with the CFRB or the Federal Trade Commission ( FTC ) and contacting the State Attorney general to enforce my rights under the FCRA, FATA, FCBA. Reporting Incorrect Information/ PLEASE UPDATE/ Provide proof of delinquent debts. or DELETE FROM CREDITREPORT, the information listed is inaccurate, the creditor was to delete from report, I closed the accounts : A. XXXX XXXX XXXXReceived this message** Looks like you've already filled dispute for this item Under Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act we will not process a duplicate dispute unless you provide new, relevant information. ] If you do have additional information, you can upload it here. You can also contact us at ( XXXX ) XXXX or contact your data furnisher for more info on how to move forward. ** Resubmitting DISPUTE BECAUSE EXPERIAN NEVER PROVIDED WRITTEN CONFIRMATION OF DEBT. PLEASE PROVIDE PROOF OF DEBT. I will be enforcing my rights by filing a complaint with the CFRB or the Federal Trade Commission ( FTC ) and contacting the State Attorney general to enforce my rights under the FCRA, FACTA, FCBA Please provide proof that I'm the joint owner of this OLD DEBT that has been charged off. If no PROOF, PLEASE DELETE FROM FILE B. XXXX XXXX XXXX XXXX Account XXXX. The account is currently reporting this as a potentially negative. Only 30 days late in XXXX. This is impacting my credit. Remove negative 30 days late and potentially negative comment. 

XXXX XXXX XXXX XXXX XXXX This account is CLOSED by consumer you are reporting this as a potentially negative. This is impacting my credit score, please delete. Please update, stop reporting old information. 

D. Account name XXXX XXXX XXXX Account XXXX. They are currently reporting this as a potentially negative. Only 30 days late in XXXX this is impacting my credit. Please update, stop reporting old information. 






NOTICE OF INTENT TO FILE A LAWSUIT XX/XX/XXXX XXXX Experian, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Re : Report # XXXX / XXXX XXXX. Reporting Incorrect Information/ Provide proof of deliquent debts. PLEASE UPDATE or DELETE FROM CREDIT REPORT, the information listed is inaccurate, the creditor was to delete from report, I closed the accounts : I will be enforcing my rights by filing a complaint with the CFRB or the Federal Trade Commission ( FTC ) and contacting the State Attorney general to enforce my rights under the FCRA, FACTA, FCBA. 

XXXX XXXX XXXX XXXX Received this message** Looks like you've already filed dispute for this item Under Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act we won't process a duplicate dispute unless you provide new, relevant information. ] If you do have additional information, you can upload it here. You can also contact us at ( XXXX ) XXXX or contact your data furnisher for more info on how to move forward. ** Resubmitting DISPUTE BECAUSE EXPERIAN NEVER PROVIDED WRITTEN CONFIRMATION OF DEBT. PLEASE PROVIDE PROOF OF DEBT. I will be enforcing my rights by filing a complaint with the XXXX or the Federal Trade Commission ( FTC ) and contacting the State Attorney general to enforce my rights under the FCRA, FACTA, FCBA. Please provide proof that I'm the joint owner of this OLD DEBT that has been charged off. If there is no PROOF, PLEASE DELETE FROM THE FILE. I have contacted the creditor, engaged in a payment plan, this was reported before. your diligent information is impacting my score. This account was affected by me being sick with XXXX, the company was made aware, payment plan implemented. Please Update. 

XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX Account type Line of Credit. This account is current you are reporting this as a potentially negative. Only 30 days late in XXXX this is impacting my credit. Please update, stop reporting old information. 


XXXX XXXX XXXX XXXX XXXX Account XXXX Account type Line of Credit. This account is currently reporting this as a potentially negative. Only 30 days late in XXXX this is impacting my credit. Please update, stop reporting old information. 









NOTICE OF INTENT TO FILE A LAWSUIT XX/XX/XXXX XXXX Experian, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Re : Report # XXXX / XXXX XXXX. Reporting Incorrect Information/ Provide proof of delinquent debts. PLEASE UPDATE? or DELETE FROM CREDIT REPORT, the information listed is inaccurate, the creditor was to delete from report, I closed the accounts : I will be enforcing my rights by filing a complaint with the CFRB or the Federal Trade Commission ( FTC ) and contacting the State Attorney general to enforce my rights under the FCRA, FACTA, FCBA. 

G. Account XXXX Account XXXX. Received this message** Looks like you've already fileda dispute for this item Under Section XXXX ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act we won't process a duplicate dispute unless you provide new, relevant information. ] If you do have additional information, you can upload it here. You can also contact us at ( XXXX ) XXXX or contact your data furnisher for more info on how to move forward. ** Resubmitting DISPUTE BECAUSE EXPERIAN NEVER UPDATED. I will be enforcing my rights by filing a complaint with the CFRB or the Federal Trade Commission ( FTC ) and contacting the State Attorney general to enforce my rights under the FCRA, FACTA, FCBA. This account is CLOSED by consumer you are reporting this as a potentially negative. this is impacting my credit score, please delete it. Please update, stop reporting old information. 

XXXX XXXX XXXX XXXX XXXX this message** Looks like you've already filed a dispute for this item Under Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act we won't process a duplicate dispute unless you provide new, relevant information. ] If you do have additional information, you can upload it here. You can also contact us at ( XXXX ) XXXX or contact your data furnisher for more info on how to move forward. ** Resubmitting DISPUTE BECAUSE EXPERIAN NEVER UPDATED. enforce my rights under the FCRA, FACTA, FCBA. This account is CLOSED by consumer you are reporting this as a potentially negative. this is impacting my credit score, please delete it. Please update, stop reporting old information. 










NOTICE OF INTENT TO FILE A LAWSUIT XX/XX/XXXX XXXX Experian, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Re : Report # XXXX / XXXX XXXX. Reporting Incorrect Information/ Provide proof of delinquent debts. PLEASE UPDATE or DELETE FROM CREDIT REPORT, the information listed is inaccurate, the creditor was to delete from report, I closed the accounts : I will be enforcing my rights by filing a complaint with the CFRB or the Federal Trade Commission ( FTC ) and contacting the State Attorney general to enforce my rights under the FCRA, FACTA, FCBA.

7. 
I. XXXX XXXX XXXX. Ive contacted the creditor, who advised me that I couldnt pay it off time. Not my liability engaged in a payment plan, this was reported before. your delinquent information is impacting my score. This account is closed, the principal payment paid. Please update, provide proof of Debt. If not delete from my credit file. 


J. XXXX XXXX XXXX. Ive contacted the creditor, who advised me that I could not pay off in time. Not my liability engaged in a payment plan, this was reported before. your diligence information is impacting my score. This account is closed, the principal payment paid. Please update provide proof of Debt If not delete from my credit file.

4. Experian provided these Regular Inquiries without My written Authorization. PROVIDE WRITTEN AUTHORIAZATION BY LAW OR PLEASE DELETE FROM MY CREDIT FILE I will be enforcing my rights by filing a complaint with the CFRB or the Federal Trade Commission ( FTC ) and contacting the State Attorney general to enforce my rights under the FCRA, FACTA, FCBA.

Regular Inquiries are posted when someone accesses your credit information from Experian. The presence of an inquiry means that the company listed received your credit information on the dates specified. These inquiries will remain on your credit file for up to 2 years. 
Name of Creditor / Requested On Name of Creditor / Requested On XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XXXX, XX/XX/XXXX CAP XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX / XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX NOTICE OF INTENT TO FILE A LAWSUIT XX/XX/XXXX XXXX Experian, XXXX XXXX XXXX XXXX XXXX, TX XXXX Re : Report # XXXX XXXX XXXX Experian, XXXX Take further notice that Experian, 30 ( thirty ) days after your receipt of this dispute letter, Experian contact the creditor to get the information validated. If the creditor can not validate the disputed issue on your credit report within 30 days ( about 4 and a half weeks ), then the CRA must remove the item from your credit report because it is unverifiable information. 

Based on Reports Listed I, XXXX XXXX will be requesting STATUTORY DAMAGES the sum of {$1000.00} for each violation of each FCRA, FACTA, FCBA. Act. Please provide a settlement offer for violating the American Disability Act ( ADA ), FCRA, FACTA, FCBA.

FFCRA, FACTA, FCBA. violations whether it was intentional or not. The damages that a consumer may receive are not subject to any limit of the 4 Types of Damages for FCRA, FACTA, FCBA. Acts. Violation consumers may be entitled to the following damages : Actual damages. There is no limit to this amount if you can prove the loss. Statutory damages. This damage ranges between {$100.00} and {$1000.00}. Consumers can take advantage of statutory damages even without proving that the violation caused you harm. Punitive damages, with no limit on how much. Punitive damages are decided by the court overseeing the proceeding. 

**If no Settlement Offer is presented to XXXX XXXX XXXX I will be enforcing my rights by filing a complaint with the CFRB or the Federal Trade Commission ( FTC ) and contacting the State Attorney general to enforce my rights under the FCRA , FACTA, FCBA. attorney will seek to recover statutory Damages, Punitive Damages, and attorney fees for the Many violations. 
Respectfully, XXXX XXXX

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