Consumer complaint received 2019-01-27
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Several calls and other means in contacting Experian or Experians employees in many times from spring XXXX, To summer XXXX to fall XXXX and so on and to dispute same inaccurate information or same unauthorized actions or same unauthorized information on my credit report that this bureau add it to my records that it maintains and supposedly also safeguards according to applicable law and regulations but it opposites the expectations and legal obligations and keeps violating my asserted rights under the applicable law as anyone reading this will conclude it is a fact happening in my case as I will detail it so please read the following at its entirely.. Facts : That contested unlawful information or contested inaccurate information was added by this bureau with recklessness despite my warnings and/or requests and/or many disputes within this bureau and/or attempted disputes as these ones were faced by either obstruction or barriers or unlawful marginalization or discrimination or retaliation by this same bureau. Facts : this bureau keep adding inappropriately with recklessness that exact same malicious information back and forth to cause damages and losses to my person .So any answer to this complaint with instructing me to go ahead and dispute directly with this credit reporting agency or credit bureau is a joke since I already tried that several times and therefore no excuse using that way of answering to this new complaint about that above issue. All legal document necessary to delete that unlawful information was provided to Experian and an example of those legal documents is a letter from my bank and Experian must comply to the FCRA and all applicable Virginia state law. Answering this complaint should be the answer to what you, Experian, did again and very specifically yesterday Saturday XX/XX/XXXX by adding previous exact same negative malicious unlawful and now retaliatory information to my credit records that you administer and you added that despite that same unlawful information was disputed before and you delete it ( see one of the legal proofs provided by Experian itself indicating that unlawful information was removed after many months of back and forth and here we again back to it in violation of the FCRA by this bureau ) and despite my many notices and actions to urge you to stop and refrain from adding that same harmful unlawful information to my credit records that you, Experian, administer and in violation of the law you retaliated against my person against and kept doing that over and over perhaps You are hoping I might not pay attention but I warned you I am monitoring my stuff*** ( see in one of the document a portion of an email available to Experian at its entirely ). This bureaus yesterday s new aggression and harassment and discrimination against me is noted, reported to whom It May Concern already and no permanent resolution honored or respected by this bureau in violation of the FCRA and other laws .By continuing dragging my person to this platform or other to complain and expose your violations to the public you are harassing me, breaking my right to peace and damaging my reputation and causing me different other types of damages and losses and by your above referenced unlawful actions toward me that all done by this bureau in violation of the Fair Credit Reporting Act ( FCRA ) and in violation of the freedom of information act and/or privacy act and in violation of other applicable law and/or regulations. The same exact unlawful collection information were disputed many times even through the CFPB platform and this bureau declared to this bureau that same exact unlawful collection information was removed but here again yesterday XX/XX/XXXX Experian added it again, that same previously disputed and removed unlawful information, in violation of all applicable laws and/or regulations and at the top of it the FCRA. What is my demands and without waiving my rights? At least this bureau must refrain immediately from harassing me and harming me and damaging my well being and putting the above unlawful information back and forth to my credit records that this bureau maintains and administers and so they must delete that immediately and permanently and without adding it again. I warned legally by written notices to this bureau to not engage in the same wrongdoings against my person but it didnt deter this bureau. Going to court is highly likely to happen because XXXX  retaliatory and unlawful actions against me continues after filing before complaint with the CFPB about this same bureaus previous violations toward my person.. This bureaus executives or involved staff continue to refuse recklessly to look into the issue and insisted instead to maintain inaccurate harmful unlawful information recklessly in my records they kept and maintained within and by this bureau. This bureau retaliated against me by denying my rights asserted under applicable law and regulations. This bureau must comply to the law. I demand from This bureau and pursuant to the freedom of information act and/or privacy act to respond in regard to my information and privacy under this bureaus consitbous and consistent aggression and attacks and in its response also to justify to me in writing and mail their response to my current address with house number XXXX and zip code XXXX that they already have, the response to also this related questions : why should this bureau put back and forth that unlawful information in my records it administers and maintains? Why that this same exact unlawful information is shown again consistently and unlawfully and it wont stop appearing in my records despite the fact you added it as referenced above despite knowing what are you are doing is in violation of the FCRA and other? Are you going to stop and refrain from invading privacy? Are you going to comply to the law in regard to my information you misuse consistently and inappropriately?. I am so tired of coming to this platform over and over to seek protection from this credit bureaus unexplained aggressions and violations of many of rights as indicated herein and elsewhere and even my constitutional right to peace is under imminent attacks and violated by this bureau. I will not give up my rights I assure this bureau and I will defend my rights no matter what and following role of law because law exists in such situation and it needs to be applied on this bureau who dishonored the U.S laws and regulations by its unlawful actions as described in my case. This Bureaus involved staff or individuals please have a life and let me along in peace or face justice. I Exhausted all friendly initiatives to resolve this issue caused and forced unlawful to exist by this same bureau and in violation of applicable law and/or regulations. all stated herein is to my current state of belief knowledge and understanding and it is subject to anything or correction from error or other and at any time without prior notice and from anywhere by my person or my legal representative if any and without waiving my rights asserted by law and regulations. I consent and would like the CFPB to publish this description on consumerfinance.gov so that public awareness about my struggling with this bureau hopefully others will prevent it before it escalate and become almost a daily basis unnecessary externality that is harmful and it shameful for this bureau to engage in all the above referenced wrongdoings against a citizen. all stated herein is to my current state of belief knowledge and understanding and it is subject to anything or correction from error or other and at any time without prior notice and from anywhere by my person or my legal representative if any and without waiving my rights asserted by law and regulations.

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