Consumer complaint received 2020-04-07
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I file a complaint to against XXXX, Experian and XXXX   individual and on behalf of all others similarly situated. 

Jurisdiction and legal standard The federal Gramm-Leach-Bliley Act of 1999 created a new opportunity for our to limit the transfer of your personal financial information. 

Federal law gives me and us the right to report credit. The Credit Bureau does not allow reporting of any inaccurate, incomplete, outdated or unverifiable content, and not allow us to dispute errors from three credit reporting company website. After go to Experian or XXXX   website, after click dispute icon but nothing happened after waited 20 minutes. ( EXBBIT # A Website of XXXX, Experian, XXXX  ) These three credit reporting companies contain errors, incorrect outdated, overdue payments, foreclosures, repossession, collection actions, charge-offs or judgments on me account, and even incorrectly classify the error report into my bank, Because so many businesses use three credit report to make decisions about our creditworthiness, its important that my or our credit report is accurate, updated, complete without any errors, false statement and fraud documents. 
For example : I received a letter from XXXX XXXX on XX/XX/XXXX. This is the second time the bank has refused to accept my loan based on a XXXX  false statement. 
XXXX  's false allegations are as follows : 1. Garnishment, attachment, foreclosure, repossession, collection action, charge off, or judgment. 
My answer : I paid the property tax of {$12000.00} per year on time, no serious delinquency, no foreclosure, no repossession or no collection action or no judgment, no garnishment or no attachment pursuant to federal stratus Fraudulent misrepresentation process crime laid out in Section 1001 of Title 18 of the United States Code, which generally prohibits knowingly and willfully making false or fraudulent statements, or concealing information. Under 18 USC Section 1001, it is a felony to make a false statement to an agent or agency of the federal government in connection with a federal matter. 

2. Serious delinquency My answer is : The definition of serious delinquency would be a late payment. I set up auto payment and paid on time. There is no serious delinquency. Under 18 USC Section 1001,  it is a felony to make a false statement to an agent or agency of the federal government in connection with a federal matter. Only XXXX account, I did not receive anything billing statement after I dispute to XXXX 's dispute department in XXXX pursuant to North Carolina time limitation for debt only three years therefore, charge off is inaccurate. 

3. Defaulted student loans XXXX, Experian and XXXX  threaten and harm XXXX XXXX borrowers. 
And also education department or XXXX XXXX XXXX XXXX DID NOT release students loan information to XXXX  or other Experian and XXXX. 

I have reason to believe that three credit reporting companies illegally hacked and invaded government systems to obtain data. Pursuant to The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual, unless the disclosure is pursuant to one of twelve statutory exceptions. Three credit reporting companies hacks and invades data from government systems to get data to threat and harm consumers. 

4. Proportion of loan balance to loan amounts is too high. 
My answer is : Pursuant to the Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual, unless the disclosure is pursuant to one of  twelve statutory exceptions. Pursuant to Computer Fraud and Abuse Act, Penalties ( Prison Sentence ) Accessing a Computer to Defraud and Obtain Value 5 years ; 10 years maximum for a second conviction. 
Accessing a Computer and Obtaining Information 1-5 years ; 10 years maximum for a second conviction.1-10 years ; 20 years maximum for a second conviction. 
Intentionally Damaging by Knowing Transmission 1-10 years ; 20 years maximum for a second conviction. 

History of XXXX  fraud In XXXX, XXXX XXXX of XXXX XXXX, Oregon, was awarded {$5.00} XXXX in a successful lawsuit against XXXX. The award was made on the grounds that it took her six years to get XXXX  to remove incorrect information in her credit report. 

XXXX filed suit against all three of the US 's largest credit agencies. XXXX  and Experian settled out of court for an undisclosed amount. In Sloan v. Equifax, a jury awarded XXXX {$350000.00}. 

In XX/XX/XXXX, a California jury ruled against XXXX  with a {$60.00} XXXX verdict in the largest Fair Credit Reporting Act ( FCRA ) verdict in history. [ XXXX ] The XXXX XXXX federal court jury awarded {$60.00} XXXX in damages to consumers who were falsely reported on a government list of terrorists and other security threats. The plaintiffs ' team of attorneys at XXXX XXXX XXXX, XXXX. partnered with another California-based firm in the class action. 

Beyond reasonable doubt, those three companies provide information are inaccurate, outdated, misattributed, false statement, fraud representation, damage and destroy all consumers. 

For example in XX/XX/XXXX, XXXX  announced a cyber-security breach, including US Citizens full names, Social Security numbers, birth dates, addresses, and driver license numbers. XXXX  also confirmed at least XXXX consumers ' credit card credentials were taken in the attack. In fact that data leaking is insider who work for XXXX. 

Each credit reporting company employs more than 10,000 employees from around the world as customer service. The three companies have no control over these customer service personnel, who can access the customer 's personal data to sell to another dark website to earn huge amounts of money. 

Conclusion Base on above statement, we don't need to XXXX, Experian and XXXX  to control, damage our finances, reputation, career, and threats, and harms our lives. 

Federal law gives our the right to report credit. The Credit Bureau does not allow reporting of any inaccurate, incomplete, outdated or unverifiable content, and not allow us to dispute errors from three credit reporting company website. 

The law attempts to balance our right to privacy Pursuant to The Fourteenth Amendment contains a number of important concepts, most famously state action, privileges & immunities, citizenship, due process, and equal protection. 
Obviously, those three major credit report companies ruining our life, is not protect all consumers instead of damaging, destroying, threaten all consumers reputation, characters and careers and invading our financial, social Security, banking account and also that those three credit report put fake statement against all consumers. 

All consumers are under attack. All of us need to protect our privacy, our security number, date of birth, financial information, our credit ... etc. There is no reason to pay these credit reporting companies for incorrect, outdated, incomplete, unverifiable and falsified content to destroy the reputation, character, occupation and financial status of all consumers. Therefore, these three reporting companies should not exist.

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