Consumer complaint received 2021-12-14
Company: Experian Information Solutions Inc.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I, XXXX XXXX, am submitting this complaint for myself for there is no third party involved. I am a victim of identity theft and have suffered actual damages from Experian as a result ; I filed a report through the ftc with the report number : XXXX. I have been taken unjust advantage of, received no equity, and have had my private information used with no regard to confidentiality or accuracy from Experian. I have lost confidence in the banking system due to unjust and inaccurate credit reporting from Experian. I have proof that Experian is in violation of 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ; for a consumer report shall not include any information as to transactions or experiences between a consumer and the person making the report. Experian has knowingly furnished information in my consumer report as to transactions and/or experiences between I, the consumer, and multiple persons. I have proof the Experian is in violation of 15 USC 1681a ( d ) ( 2 ) ( B ) ; for a consumer report shall not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. Experian has knowingly furnished authorizations and/or approvals of extensions of credit ; that all arose directly and/or indirectly from my credit card a.k.a my social security card pursuant to 15 USC 1602 ( i ). I have proof that Experian is 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. Experian has in fact knowingly furnished my consumer report multiple times without having wet ink, written instructions to do so from I, the consumer to whom it relates. I have proof that Experian is furnishing information that derives from adverse action pursuant to 15 USC 1681a ( k ) ( 1 ) ( B ) ( iv ) ( II ). The term Adverse Action means any action or determination that is adverse to the interest of the consumer. In fact any late payment is adverse to the interest of I, the consumer. I have proof that Experian is in violation of 15 USC 1681m ( b ) ( 2 ) ( C ). Any adverse information that bears on the credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living of the consumer shall not include information solely as to transactions or experiences between the consumer and the person furnishing the information ; nor shall such information be included in a consumer report. Experian has knowingly furnished adverse information on my consumer report as to transactions and/or experiences between I, the consumer, and multiple persons that bears on my credit worthiness, credit standing, credit capacity, character, and general reputation. I have proof that my consumer report has undergone multiple ''investigations '' ; therefore classifying such report as an investigative consumer report pursuant to 15 USC 1681a ( e ). I have proof that Experian is in violation of 15 USC 1681a ( e ). An investigative consumer report is when any portion of 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. Experian has knowingly stated that they have undergone multiple investigations, when they have in fact conducted no such interviews, and have followed no reasonable procedure. I have proof that Experian is in direct violation of 15 USC 1681L. Whenever a consumer reporting agency prepares an investigative consumer report, no adverse information in the consumer report may be included in a subsequent consumer report. Experian has in fact prepared an investigative consumer report, and has included adverse action in all subsequent consumer reports multiple times. I have proof that Experian has failed to take any reasonable procedures after I have tried to resolve this issue in the past, therefore making them criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 1681o.

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