Consumer complaint received 2022-02-09
Company: Experian Information Solutions Inc.
State: MD
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: Was not notified of investigation status or results

Complaint:
I am writing as a consumer concerned about the accuracy of my current consumer report. I have been checking my report and it is 100 % inaccurate. I have reason to believe that your company has broken many FEDERAL LAWS, protecting me as a consumer. I was verbally told on XX/XX/2022 that you all participate in the fair credit reporting act. How is it fair that you never verified any of the information with me the consumer to report on MY credit report? Under the FCRA and Title 15, specifically 15 USC 1681 it states the consumer report is a report that establishes a consumer eligibility, to be eligible for something means that someone has validated my eligibility with me as the consumer. I never furnished anything verbally or written form allowing your business to report anything on my consumer report. Please furnish the evidence if you have so. In addition to 15 USC 1581 ( a ) ( 1 ), the banking system needs me to operate as a trusted, accurate banking system. If my report is not accurate, which it indeed is not, this is detrimental to the environment and how the banking system operates. It affects me as a consumer, and the nation as a business. UNFAIR, INACCURATE CONSUMER reports DIRECTLY demolishes my VALUE, character, and the fact that the banking system would not work FULLY equitable and run smoothly if these inaccuracies continue. The inaccuracies on my report affects my daily life, such as shelter, credit, and my livelihood. I have also seen alleged late payments which goes against the federal law 15 USC 1666 ( b ) ( 4 ). Without the accuracy of my report, I am denied shelter, credit, loans, and the banking system doesnt accurately operate. It does not just affect me ; it affects the world around me literally. Because you ASSUMED a role that affects my life, I cant get a job, car, or house. When I speak to lenders and tell them whats on my credit, they view me as a red flag and a risk which makes me extremely sad that I cant have the life I desire because of the inaccuracies of this credit report! It was never fair for you to assume this credit report without my prior written consent or AUTHORIZATION!!! You were never apart of a 1:1 private transaction, and you never came to me the consumer to verify if ANY OR ALL of the transactions listed on my report were indeed true. YOU ARE A 3RD PARTY! You never came to me as the consumer, if the transactions that are on my report ACTUALLY TOOK PLACE. You never came to me as the consumer if the transaction was a PRIVATE transaction. This is IMPARTIAL, UNETHICAL, ILLEGIAL, AND IMPAIR! You did NOT respect my privacy with these unfair, illegal, unlawful conditions and terms associated with my consumer report!!! According to 15 USC 1681 ( a ) ( 2 ) ( i ) ( d ) ( 2 ) Congress also stated that, any transaction that includes a persons, should not be included on a consumers report. AS STATED, these companies named ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX US SM BUS ADMIN XXXX, XXXX XXXX XXXX XXXXXXXX XXXX ( BANK ) ANY AND ALL SOFT AND HARD INQUIRES AS IT IS IDENTIFIED AS A PERSON OR CORPORATION UNDER THE FEDERAL LAW, WHICH INSULATES, THIS REPORT AND ALLEGED TRANSACTIONS ARE DEEMED INACCURATE. THEY ARE SO INACCURATE, THAT SOME OF THEM APPEAR ON MY REPORT TWICE. I DEMANED THESE TO BE REMOVED FROM MY REPORT, IMMEDIEATLY.

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