Consumer complaint received 2022-11-02
Company: Experian Information Solutions Inc.
State: TN
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: Their investigation did not fix an error on your report

Complaint:
XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN [ XXXX ] XXXX Experian Dispute Department XXXX XXXX XXXX XXXX, TX XXXX RE XXXX Report # XXXX In response to CFPB Complaint # XXXX Forwarded Letter Addressed to : XXXX XXXX XXXX  XXXX XXXX Report # XXXX Dear Credit Reporting Agency I am writing on behalf of XXXX XXXX XXXX as the Secured Party/Creditor XXXX XXXX XXXX XXXX ensure you have the most accurate information in my credit file at all times and you have failed to adhere to my request in previous letter dated XX/XX/XXXX, CFPB complaint made XX/XX/XXXX which you responded on XX/XX/XXXX indicating that unfortunately at this time, we are unable to process your disputes as it is not specific. Which is a statement that is totally FALSE. Experian kept the requested personal information deletes on the credit file for your own financial gain. How are you able to delete some but not all according to my written requests, this is further proving the fraud Experian consistently participates in. On XX/XX/XXXX a letter from CONGRESS OF THE UNITED STATES addressed The Honorable XXXX XXXX, Consumer Financial Protection Bureau, XXXX XXXX XXXX, XXXX, Washington, D.C. XXXX stating The Select Subcommittee on the Coronavirus Crisis is investigating report that Experian- became less responsive to consumer complaints and this violation of Experian not responding to consumer complaints and disputes regarding errors in consumer credit reports needs to be addressed, which this is a start to shedding some light on Experian false practices, violations and totally Non Compliance of codes. You have proven this allegations to us the consumer but not only that I XXXX : XXXX XXXX XXXX Secured Party/Creditor which my Full Faith and Credit BC Authentication proves that . I am making this final goodwill gesture to allow you to correct your erroneous reporting and I am maintaining a careful record of my communication with you for the purpose of filing a complaint with a consumer financial protection bureau and the attorney generals office should you continue in your noncompliance. I further remind you that, as in Wenger v. Trans Union Corp., No 95-6445 ( C.D. Cal. XXXX XXXX ), You may be liable for your willful noncompliance. 
Please delete all inaccurate information from my credit file. 

Please delete all and variations of any name but the name listed above : XXXX XXXX XXXX Please delete all inaccurate addresses leaving only the address listed above : XXXX XXXX  XXXX XXXX XXXX, TN XXXX Please delete all invalid telephone numbers but my current number : XXXX Please delete ALL inaccurate employers : Insert I AM A XXXX XXXX XXXX XXXX XXXX XXXX XXXX By reporting these inaccuracies you are in violation of 15 USC 1681b ( a ) ( 2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstance and no other ; in accordance with the written instructions to the consumer to whom it relates. And I have only given you written instruction to delete inaccuracies in the previous letter dated XX/XX/XXXX. Experian is also in violation of 15 U. S. Code 6802 ( a ) - Obligation with respect to disclosures of my personal information and this needs to be addressed immediately. 
I also noticed fraudulent credit inquiries that I did not authorize anyone employed by these companies which is violation of 15 U. S. Code 1681b ( b ) ( 2 ) ( ii ).

Unauthorized Inquiries Needing To Be Removed : US SM BUS ADMIN ODA - XX/XX/XXXX I did not give you permission to furnish this information onto my credit report which constitutes as fraudulent activity and is a serious breach of my privacy rights. 
This inaccurate information in my file is proof of the identity theft I have faced. Due to the injury I have face faced failure to respond satisfactory within 15 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation, 2. ) Negligent Enablement of Identity Fraud, 3. ) Violations of the Fair Credit Reporting Act, 4. ) Violations of United States Code. I have attached my Drivers License, Bank Statement, Identity Theft Reports, and SSC as I have already sent proof of tax form XXXX which has been processed and I dont have to show you proof of that because you are not a government entity. 

Regards, XXXX : XXXX XXXX XXXX ] Without Prejudice, All Natural Inalienable Rights Reserved

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