Consumer complaint received 2023-04-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
To whom it may concern I XXXX XXXX XXXXXXXX am a natural person, I am a living human being BENEFICIARY OF XXXX XXXX XXXX have rights under 15 USC 1681 .

EXPERIAN is governed by 15 USC 1681. And they violated my rights numerous of times because According to 15 USC 1681 : I have the right to privacy and I did not give ANY credit reporting agency or creditor written permission to furnish these accounts but yet accounts that weren't mine or accounts and inquires that I didn't authorize with written instruction to be reported. Every attempt to dispute inaccuracies ended up in item verified for the last 3 in half years and only after multiple attempts and disputes were some of the items deleted and removed. Proving that the items should have never made it on my credit report in the first place. Each so called investigation they did that ended up in item being verified Cleary doesn't fit the fair credit reporting act standards because if it did the inaccuracies would have not taken years to come off and then continuously and negligently keep being reported and for that I seek monetary relief for each item ( accounts and inquiries ) that was reported on my credit report by Experian with out my written instruction to be reported and later deleted. This hard ache stress anxiety I experienced in this time was unbearable and for that I want {$10000.00} each for the 84 items that were added to my credit report and later deleted after it was found that I was right.

* ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

Section 604 of the FCRA ( 15 U.S.C 1681 ) protects consumers from unfair use of their personal credit information. This section of the FCRA was made for the protection of consumers from improper use of their credit information. This act is explicitly for consumer reporting agencies and their use of personal credit information.

A permissible purpose is established by obtaining written consent from the consumer. Documentation and verbal consent are not enough in this case to obtain their consumer report.

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.Under the Fair Credit Reporting Act ( FCRA ), I have a right to the fair and accurate reporting of my credit information. I am also entitled to certain privacy rights concerning my credit information and protection from the misuse of my credit data.

the Fair Credit Reporting Act states If someone violates my rights under the FCRA, I can seek remedies that include damages, punitive damages, attorneys ' fees, and costs for the negligence of the inaccuracies that Experian keeps allowing to be reported to credit report.

Enclosed is an invoice for payment of {$84000.00} that you can pay by direct deposit to my XXXX account aka. XXXX XXXX XXXX XXXX XXXX XXXX : Account # XXXX Routing # XXXX For each proof of claim violation that was an inquiry or account that was later deleted that shouldnt have never made it on my credit report I want {$10000.00} per item that was deleted REPORT NUMBER XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.EXPERIAN BUSINESS CREDIT XXXX XXXXEXPERIAN BUSINESS CREDIT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief