Consumer complaint received 2021-05-29
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The Fair Credit Reporting Act insures the consumers right to fair and accurate reporting from Experian. Experian has violated Federal laws that has caused damages to the consumer as well as my natural person. I mailed a packet to Experian on XX/XX/XXXX. I have the PS Form 3811 ( Domestic Return Receipt ) that documents Experian stamped and signed received on XX/XX/XXXX. In this packet, Experian received an Affidavit of Truth with approximately 8 exhibits labeled ( Exhibit A-Exhibit H ) showing further proof that Experian is in violation of Federal laws. The Affidavit of Truth is signed and notarized under penalty of perjury that the information is true and accurate to the best of my knowledge. Keep in mind, an unrebutted Affidavit of Truth is considered Truth in Commerce and I am fully aware of ALL of my rights as a litigious consumer.

Pursuant to 15 US Code 1681 ( a ) ( 1 ), Experian has several inaccurate and unfair records on my credit report. This includes the credit score itself. Experian put a collection on my report that has not been verified. Experian has a public record on my report that has not been verified. Experian has a negative account that they have repeatedly said has been verified, yet I have no information or documents from said creditor to confirm. What evidence does Experian have to validate any of these accounts? Verbal or written, I need to know and see what evidence Experian has to keep any disputed information on my report per my rights as the consumer. 

Pursuant to 15 US Code 1681 ( a ) ( 4 ), Experian has blatantly disregarded my right as a consumer to privacy as they are reporting an unverified public record and has been reporting this record for approximately 5 years causing me as a consumer and my natural person irrevocable damage. I have provided proof that XXXX could not verify this public record and has deleted this record since XX/XX/XXXX as evidenced on page 14 ( Exhibit B ). I have written Experian several letters asking them to delete this item if they can't verify, and they either ignored it or said it was verified every time. XXXX  also mistakenly had this public record listed on my consumer report and they have removed it as of XX/XX/XXXX and evidenced on page 19 ( Exhibit B ). What evidence does Experian have that XXXX XXXX as well as XXXX didn't have to keep listing item on my consumer credit report causing further damage to my reputation and life?? If there is nothing, please remove immediately as I have requested information or deletion since XX/XX/XXXX. 

Experian has remained uncooperative in deleting invalidated items from consumer credit report since XX/XX/XXXX. Pursuant to 15 US Code 1681 ( b ), Experian must show complete procedures and information used to verify as well as validate accounts before it can even be listed and/or remain on a consumer 's report. Experian has not shown any documentation for these negative, damaging items to remain on my credit report and file. 

Experian must EXCLUDE any report if it includes transactions and experiences between said consumer and the entity ( individual or organization ) making the report. It has been brought to my attention that I may be a victim of identity theft as well as fraud from 2 companies : XXXX XXXX and XXXX. How and ever, according to15 USC 1681a ( a ) ( d ) ( 2 ) ( A ) ( i ), Experian should have never been reporting these items anyway due to the fact that it is allegedly a consumer credit transaction or experience with said companies. 

As a result of an unauthorized public record on my Experian consumer credit report, XXXX XXXX denied me credit on XX/XX/XXXX. They pulled my XXXX as well as Experian credit file. The bankruptcy was not on XXXX credit file as they have deleted it so they solely used Experian to form their decision. The decision was based off of false as well as unverified information from your company in direct violation of 15 US Code 1681a ( d ) ( 2 ) ( B ) as well as violating my privacy rights as stated above. 

Experian has been releasing my credit file haphazardly with all kinds of negative, damaging and inaccurate information. Pursuant to 15 USC 1681b ( a ) ( 2 ), this is violating consumer 's rights as I had not given written instructions until I sent my packet on XX/XX/XXXX. Now Experian has written instructions on how I would like my consumer credit report to not only appear but also how, when, and who it can be released moving forward. 

I have provided identity theft reports as I have reason to believe that someone from XXXX XXXX as well as XXXX was credited from my consumer credit card yet reported it and Experian has not done their job as a fair credit reporting agency to have documented proof to verify these accounts. If you do, please provide them so that I can investigate further. If you do not, you must remove. 

Pursuant to 15 USC 1681i ( a ) ( 1 ) ( A ), Experian failed to verify multiple accounts as stated above several times. Consumer wrote Experian on XX/XX/XXXX in which Experian received the letter on XX/XX/XXXX. Unverified information still remains on report without any documented proof given to consumer as requested. Consumer sent Experian a second letter on XX/XX/XXXX that they received on XX/XX/XXXX. Unverified negative information remained on report without documented proof. There are several codes and laws in the Fair Credit Reporting Act that states that you MUST verify with legitimate documented proof. Experian has blatantly disregarded these codes and laws repeatedly. 

Lastly, Experian has been responding electronically. I asked in my written instructions on page 8, section E of mailed packet that I am requesting all correspondence be done via US Postal Mail ONLY. I do not agree to the Terms and Conditions to view disputes online. If I accidently signed up to be notified electronically, please disregard and respect my wishes to receive my dispute reports and any correspondence via US Postal mail. 

All information that was mailed to Experian will be attached in this complaint. I sent a copy of my drivers license as well as social security card. In one of the emails, Experian requested that they need a utility bill. This will also be provided in the attachments in hopes that Experian will act in good faith and respond lawfully and honorably as requested. 

Finally, on an email sent XX/XX/XXXX at XXXX XXXX, Experian stated that " based on your review, Experian declined to block one or more of the items of information '' in regards to a disputed item ( s ) being a result of identity theft. I was not told in the email what specific account this was referring to, however, I am requesting to review what documentation Experian has to form this conclusion as I am not sure I understand how a reported thief could provide reputable, legitimate proof that would cause Experian to believe them over the actual consumer. Please mail me this documentation so that I can review and investigate. While in dispute, this alleged entity ( entities ) can not continue to report on my credit file pursuant to FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ).

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