Consumer complaint received 2023-06-12
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Cell # ( XXXX ) XXXX XX/XX/XXXX Last XXXX of XXXX : XXXX XXXX : XX/XX/XXXX To Whom It May Concern : Over the last several weeks, I have been repeatedly disputing inaccuracies on my Experian credit report to no avail. I was informed that there are STILL negative and fraudulent items such as inaccurate bankruptcies ( the XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) in the files that your company maintains under my Social Security number. Upon ordering a copy of my credit report, I see XXXX entries from this court listing with Reference # XXXX filed on XX/XX/XXXX and, with Reference # XXXX filed on XX/XX/XXXX, both cases are listed as DIMISSED and new discharged.

Apparently, not only were these cases never discharged, but evidentially they were dismissed. My evil and very vengeful ex-husband, XXXX XXXX, who resided at XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX apparently was the one whom fraudulently filed for bankruptcy in both his and, my name out of spite and contempt for me. Therefore, I am assuming the XXXX cases were dismissed because he couldnt manifest my physical presence to appear in court, nor could he furnish my state issued identification. 

To my own detriment, Ive requested several times that Experian please verify under FCRA 611 ( a ) ( 7 ) and validate this information with the court and provide me with copies of any such documentation associated with this accountgranting your company authorization to report this inaccurate and fraudulent information, bearing my signature. In the total absence of any such documentation bearing my signature, but Experian hasnt not complied with my request. 

Therefore, I DEMAND that this information be immediately deleted from the credit file Experian maintains under my Social Security number per : Experian is currently in violation of the following FCRA and FTC laws : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my expressed permission through written instructions.

15 U.S.C. 1692C States that without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt may not communicate with a consumer in connection with the collection of any debt.

18 U.S. Code 1028A - Aggravated identity theft. ( a ) Offenses.. ( 1 ) In general.. Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of XXXX years. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

607. Compliance procedures [ 15 U.S.C. 1681e ] ( a ) Identity and purposes of credit users. Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 605 [ 1681c ] and to limit the furnishing of consumer reports to the purposes listed under section 604 [ 1681b ] of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 604 [ 1681b ] of this title. ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

*******NOTICE OF INTENT TO FILE FEDERAL CHARGES AGAINST EXPERIAN WITHIN THE NEXT XXXX DAYS ( XX/XX/XXXX ) ****** Creditors and second tier reporting agencies give primary reporting agencies inaccurate financial information about consumers, and in some cases, completely mixing up XXXX person 's information with another 's because of similar ( or same ) name or social security number. Experian has flagrantly failed to follow the FCRA guidelines for handling disputes. 

Consequently, I have recently been declined credit cards, business loans etc. that have cause me both immeasurable financial and punitive damages. Each Violation under the FCRA ACT is an automatic fine of {$1000.00}. 

Therefore, I am fining you {$1000.00} for each violation and payment should be remitted to me within XXXX calendar days from todays date. Additionally, if any of these negative, aforementioned items reappear on my report in the future- you will be penalized {$1000.00} per item AGAIN. 
15 U.S.C. 1681 Section 602 A. = {$1000.00} 15 U.S.C. 1681 Section 604 A Section 2 = {$1000.00} 15 U.S. Code 1681s2 = {$1000.00} 18 U.S. Code 1028A = {$1000.00} 15 U.S.C. 1681e = {$1000.00} Total due = {$5000.00} USD Remit to : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Lastly, if you dont comply in a timely manner, I will have no choice but to further escalate this matter above and beyond filing suit in federal court by way of contacting all channels of media. 


Best Regards, XXXX 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