Consumer complaint received 2022-02-17
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have viewed my Experian credit report XXXX XXXX does not belong on my consumer profile I have Your company is in clear violation of the law under 15 U.S. Code 1681b Permissible purposes of consumer reports. The law clearly states ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I provide written instructions for you to furnish this on my credit report?

Further, the FAIR CREDIT REPORTING ACT 15 U.S. Code 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Further, you are also in violation of 15 U.S. Code 1605 Which states the determination of a finance charge includes any and all payments You are also violating 15 U.S. Code 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date Delete this account IMMEDIATELY Failure to respond satisfactorily with the above referenced accounts deleted and send out a free copy of my report after said changes have been made will result in legal actions taken against your company, for which I will be seeking {$1000.00} for each violation for : Defamation of character ( per se ) Negligible enablement of Identity fraud Fair debt collection practices act 15 U.S. Code 1692g violations fair credit reporting act 15 U.S. Code 1681 violations for willful noncompliance 616 civil liability for willful noncompliance 15 U.S. Code 1681n 15 U.S. Code 1602 ( l ) - Definitions and rules of construction The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

15 U.S. Code 1602 ( p ) - Definitions and rules of construction The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.

15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 1681i - Procedure in case of disputed accuracy 15 U.S. Code 1681g - Disclosures to consumers 15 U.S. Code 1692c - Communication in connection with debt collection 15 U.S. Code 1692e.False or misleading representations 15 U.S. Code 1692f.Unfair practices 15 U.S. Code 1692g - Validation of debts 15 U.S. Code 1692j - Furnishing certain deceptive forms Please understand I take my identity my credit and how I am represented gravely serious.

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