Consumer complaint received 2023-08-01
Company: Experian Information Solutions Inc.
State: FL
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:
XX/XX/XXXX was the beginning of the disputes filed.. I followed up with complaints with the XXXX to find a solution to this issue. 

Previously I had no knowledge about the laws.. XXXX I hired a credit repair company and they were given the run around by the credit bureaus and they were unsuccessful with my credit repair. ( this proves the issue is more than 30 days ) I was forced to study and learn the laws and its tough enough as an XXXX XXXX dealing with society and a bad credit report. 

I only have 2 derogatory remarks and that is from a serious time in life.. many Americans have faced and will face similar situations.. 

I am not making a excuse to leave unpaid debts.. nor am I making it acceptable for credit bureaus and debt agencies to harass people who are already dealing with mental frustrations.. 

the only way a person can fix something is by attempting.. 

if a person is willing to try then he or she is not a failure.. 

If he or she decides to give up.. then you can justify quitting.. 



If the credit bureau contacts a consumer and the consumer fails to respond to the letter to furnish.. the credit bureaus have a right to furnish. 

If consumers have to wait XXXX days for credit bureau investigations.. the same rule should apply.. it doesnt erase debt however this allows for a person to fix their debts.. 

For example the law states that credit bureaus can not release your information or accept your information without permission : Consumers have the right to sue and seek damages from credit bureaus, users of consumer reports, and information furnishers that act in violation of the FCRA. 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. 

If this law is true this is grounds for a class action lawsuit vs every person in XXXX that did not give a written consent to have there credit reports listed on the credit bureaus website or database of any debt collection services. 

When credit bureaus release your information it can hurt you in many ways.. 

For example XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.. because my credit report is public I have a hard time receiving funding for this business.. that means the patented technology will experience serious income loss.. 

The credit bureaus are responsible for the damages of the patent and the damages of preventing this safety technology from educating the public about the proper use of fireworks. 

This is hindering future generations and I am demanding a change.. please see the attached original demand letter sent to the credit bureaus through the XXXX  website.. each XXXX complaint shows the date the letter was read. *************** //. In accordance with the Fair Credit Reporting act. The List of accounts on file has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I DEMAND Experian, XXXX, and XXXX to REMOVE the accounts revolving around my credit report WITHIN XXXX days. My due diligence is hindered because of the PRIVACY and CONFIDENTIALITY rights that were violated by the credit bureaus. I am attempting to educate the public and reduce the amount of injuries that have occurred revolving around fireworks.. please do not underscore the legitimacy of this statement here is a link for your reference, the laws VIOLATED has stopped the production of THIS PATENTED TECHNOLOGY US Patent Application for Stabilizing Support Device for Cake Fireworks Patent Application ( Application # XXXX issued XX/XX/XXXX ) - XXXX Patents Search XX/XX/XXXX I was in a serious accident and couldnt work I had no access to funds for medical treatment, housing, or food. BECAUSE OF THE LAWS VIOLATED Consumers have the right to sue and seek damages from credit bureaus, users of consumer reports, and information furnishers that act in violation of the FCRA. 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 XXXX 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. Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case. 

************ These are the XXXX derogatory accounts on my report that are hindering my financial growth revolving around the patented technology XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


Best regards,

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