Consumer complaint received 2023-04-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX has acted in bad faith and has been unjustly enriched because of coercion and undue influence. 

They have failed to provide me any valid proof of indebtedness nor proof that they sent me ANY disclosures required by federal law. 

Your company is violating federal law by knowingly furnishing false credit information without clarifying the billing error. It is impossible to be late on an extension of credit. 

I DID NOT AND DO NOT consent to the furnishing of any negative information to any nonaffiliated third party. Furnishing this false credit information is a violation of federal law and my Right to privacy. The Right to Privacy was declared a fundamental right by the Supreme Court in Puttaswamy v Union of India 2017. 

The consumer credit transaction included a " finance charge '' which under federal law is the sum of all charges in a " credit sale ''. 

XXXX XXXX  on their " agreement '' specifically says, " You don't have to pay the finance charge or other amounts that are more than the law allows. This provision prevails over all other parts of this contract and all other acts ". COMPLY WITH YOUR OWN AGREEMENT PROVISIONS. I want to know what law XXXX XXXX XXXX is operating under to coerce $ XXXX from me to get my property back that they stole from me when they said I don't have to pay the finance charge? 

Your company stole my property because of your omission of known facts, false and misleading representations made to me, furnishing false credit information, failure to provide me proper disclosures under the Truth In Lending Act regarding the financed sale, and collections of an extension of credit by extortionate means, constituting a pattern of racketeering activity between XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, Experian, and any other Consumer Reporting Agency you do business with. 

This is my explicit notice that I DO NOT want to and DO NOT AGREE TO pay the finance charge or any other amounts. 

This is my official disaffirmation of the unconsciousable contract they coerced me into. 
I do not consent to your collection of my extension of credit by extortionate means. 

This is my official notice of " rescission '' of the contract of adhesion since XXXX XXXX XXXX deprived me of the opportunity to rescind earlier with proper rescission forms. 

This is my official " opt out '' of having negative information reported to my consumer reports since XXXX XXXX XXXX deprived me of proper " opt out '' forms ''. 

Refer to attachment of XXXX  's response to my first CFPB complaint against them where XXXX includes a copy of the " agreement '' and refer to XXXX XXXX of their agreement where it clearly states that provision prevails over all other parts.

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