Consumer complaint received 2023-12-18
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Durning the year of XXXX I learned of federal consumer protection laws. According to FCRA and my rights to privacy I have sent several disputes notices via certified mail receipt XXXX ; XXXX ; XXXX ; XXXX the credit reporting agency regarding inaccurate information that's been reported in my consumer report. With further understanding gained in my own free time and research it has come to my attention that my privacy has been continuously violated. I demand this matter be handled immediately. The audacity of non-compliance from reporting agency has tremendously affected my livelihood, judging my character, has made me seem as if I'm not creditworthy, lendable, just a complete embarrassment and downright humiliation. My performance as a consumer has been severally violated along with my financial stability. As a federally protected consumer I am seeking compensation for all violations and damages that have been intentionally acted against me {$2500.00} per violation and damages suffered {$1000.00} per reporting per month when disputes began. 15 USC 1681e 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. 



This company actions have caused great damage to my well-being and creditworthiness. In the moment 15 days ( about 2 weeks ) upon receipt of this complaint I the consumer providing this complaint demand all inaccurate reporting information to be deleted immediately. ( These accounts will be stated below ). This complaint is not to be construed as a credit repair company and or organization. According to 15 USC 1697c You may, on your own, notify a credit bureau in writing that you dispute the accuracy of information in your credit file. The credit bureau must then reinvestigate and modify or remove inaccurate or incomplete information. The credit bureau must include a summary of your statement about disputed information with any report it issues about you. I sent a disputed to investigate my consumer report out of curiosity and to update personal information such as name, address, work and remove all in accurate information. Ths company has sent correspondence, yet the reporting of inaccurate information remains the same. Following up with a re-investigation my disputes were still ignored the violations continued to reflect on my consumer report. Later I called the agents and used other means of communication to remove inaccurate reporting. A submission for cease and desist was given from me to the reporting agencies asking for proof of assumed signed documents of any written or oral agreements. No signed documents and or agreements giving them full authorization to disclose my personal information of said accounts below have been provided to me. Title 15 USC 1681i ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Company has completed no such action. ( 5 ) Treatment of inaccurate or unverifiable information If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shallpromptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. The attachments below will show an inaccurate re-investigation was not properly conducted as well as certified mail receipts sent. Negligence in failing to comply with any requirement imposed has caused me to be unable to obtain financial help with repairing my car, get loans so that I can help fund my businesses, I can't get help from my own credit union, several adverse action notices as to why I can't obtain any 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 further not, this company DO NOT have my written/oral consent and or permission to furnish any information on my consumer report WITHOUT FIRST NOTIFING ME. I demand that these accounts cease and desist reporting immediately upon 15 ( fifteen ) days receipt of the complaint. I hereby hold thesed companies liable for all damages that has been brought upon me since XX/XX/XXXX. 



The Fair Credit Reporting Act states in 15 USC sec. 6802 obligations with respect to disclosures of personal information, the importance of consumer reporting agencies conducting their duties in a fair, unbiased, and privacy-conscious manner. These companies have violated the laws as well as my privacy according to the Privacy Act 1974. 15 U.S. Code 6801a - Protection of nonpublic personal information in Addition late payments, charge-off, and repossessions are illegal according to 15 USC 1681A ( 2 ) ( a ) ( i ). Under congress law I was not granted my rights. I never gave written or oral consent to provide any information. Therefore, these violations have brought forth serious civil penalties against these credit reporting organizations. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer because of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. ( b ) Attorneys fees. On a finding by the court that an unsuccessful pleading, motion, or other paper filed in connection with an action under this section was filed in bad faith or for purposes of harassment, the court shall award to the prevailing party attorneys fees reasonable in relation to the work expended in responding to the pleading, motion, or other paper.

621. Administrative enforcement [ 15 U.S.C. 1681s ] ( a ) Enforcement by Federal Trade Commission. ( 1 ) In General. The Federal Trade Commission shall be authorized to enforce compliance with the requirements imposed by this title under the Federal Trade Commission Act ( 15 U.S.C. 41 et seq. ), with respect to consumer reporting agencies and all other persons subject thereto, except to the extent that enforcement of the requirement 's imposed under this title is specifically committed to some other Government agency under any of subparagraphs ( A ) through ( G ) of subsection ( b ) ( 1 ), and subject to subtitle B of the Consumer Financial Protection Act of 2010, subsection ( b ). For the purpose of the exercise by the Federal Trade Commission of its functions and powers under the Federal Trade Commission Act, a violation of any requirement or prohibition imposed under this title shall constitute an unfair or deceptive act or practice in commerce, in violation of section 5 ( a ) of the Federal Trade Commission Act ( 15 U.S.C. 45 ( a ) ), and shall be subject to enforcement by the Federal Trade Commission under section 5 ( b ) of that Act with respect to any consumer reporting agency or person that is subject to enforcement by the Federal Trade Commission pursuant to this subsection, irrespective of whether that person is engaged in commerce or meets any other jurisdictional tests under the Federal Trade Commission Act. The Federal Trade Commission shall have such procedural, investigative, and enforcement powers, including the power to issue procedural rules in enforcing compliance with the requirements imposed under this title and to 82 621 - 15 U.S.C. 1681s require the filing of reports, the production of documents, and the appearance of witnesses, as though the applicable terms and conditions of the Federal Trade Commission Act were part of this title. Any person violating any of the provisions of this title shall be subject to the penalties and entitled to the privileges and immunities provided in the Federal Trade Commission Act as though the applicable terms and provisions of such Act are part of this title. ( 2 ) Penalties ( A ) Knowing Violations. Except as otherwise provided by subtitle B of the Consumer Financial Protection Act of 2010, in the event of a knowing violation, which constitutes a pattern or practice of violations of this title, the Federal Trade Commissions may commence a civil action to recover a civil penalty in a district court of the United States against any person that violates this title. In such action, such person shall be liable for a civil penalty of not more than {$2500.00} per violation.

If any further compliance is needed with providing proof of any kind, please feel free to contact me via email @ XXXX. Failure to comply with this request will leave me no choice but to seek further legal assistance with this matter. If these demands are not met, I shall seek further remedy for even more damages and hardship that has already been brought upon me along this repair journey. Your prompt compliance is expected to avoid further legal action. Thank you in advance foreseeing this matter.

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