Consumer complaint received 2022-12-13
Company: Experian Information Solutions Inc.
State: OH
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:
I am a living soul otherwise called a XXXX by XXXX. The constitution declares and protects my rights to privacy. That's in the XXXX Amendment : My rights to be left alone and my rights to privacy. I did not give you permission or written consent to furnish the below information. I have been reaching out to XXXX, Experian, XXXX XX/XX/XXXX when I noticed the inaccurate accounts listed below. I have notified these companies about the unlawful and unfair practices and violations being done to me. Attached is all the Certified mail sent since the notice of false information. They have ignored every written letter with demands made directly from me, the living soul otherwise called a man by XXXX. My credit score has always been in the high XXXX Great On time payments ever since Ive been disputing these negative accounts my credit has fallen to XXXX and I've been denied an extension of credit numerous of times for the false information that theses companies have been reporting. XXXX and XXXX XXXX should not be on my credit without my consent. XXXX Account # XXXX is lying to the credit bureaus publishing false comments on my credit report and selling my information to third-party collectors. First XXXX XXXX XXXX XXXX CFPB Case No. XXXX, XXXX & XXXX in XX/XX/XXXX now I've been contacted and harassed by another third party collector XXXX XXXX XXXX XXXX XXXX ref XXXX XXXX XX/XX/XXXX, This unfair and unlawful practice is very catastrophic to my credit worthiness. Please remove this information or discontinue housing furnishing this information effective immediately. Provide me with confirmation of your compliance within XXXX business days of receiving this notice. Failure to comply will result in legal actions being taken against you. Restitution or reimbursement of loss of wages, defamation of character for the time spent having to study, investigate and defend myself from this unlawful and unjust action. According to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of failure or damages of not less than {$100.00} and not more than {$1000.00}. I want a Loss of wages in the amount of {$6500.00}. I received the investigation back from your company saying everything is XXXX XXXX complete and accurate. I would like to receive the description according to 15 USC 1681 ( 7 ). Because the accounts listed below are not accurate. The open date, date last active, and date of last payment are NOT 100 % accurate.15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) 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 shall ( i ) promptly 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. They did not modify or delete the inaccurate information on my consumer report according to the laws your company MUST follow. These inaccurate accounts must be removed. I have attached a consumer report as evidence. 

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 explanation