Consumer complaint received 2019-10-30
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
- - ______XXXX XXXX______ _______XXXX XXXX XXXX _____ XXXX XXXX VA XXXX- - _____FORMAL Complaint to stop retaliation and discrimination - - 1-The complaint ( very direct complaint about Experian unlawful providing of a credit report to an employer without the employee knowledge or written consent then Experian Assisting the employer to clean up* and cover up the crime by deleting the unauthorized and criminal access and activities of the employer from the employee credit file at Experian who breached trust, contract , FCRA, CFPA and other anti-retaliation provisions recklessly and knowingly and then Experian Responded by a copy paste to a different subject : Experian stated investigating information then found accurate, are you confirming to the complainant and the government that it is accurate you violated the law? 
You can not avoid answering now and again like before. 


Factual background of this today XX/XX/2019 complaint against Experian and its involved agents and/or any of its parent or affiliate company and/or its contractors and a response to it is expected to be complete not copy and paste as it will be proven herein and if a response is completely out of sense and subject and any response to this complaint will be used against you in a court of law. 
Here is the unanswered complaint : XX/XX/2019 - To whom this Complaint Concerns And/or Against : The attached files contain information that Experian sent to my person and received today XX/XX/2019. That information shows that it is related to my personal credit file within Experian and under file number XXXX ( the files indicates that this Experian report number is pulled on XX/XX/2019 ) - - - Upon reviewing that information I have discovered serious and dangerous violations by both XXXX XXXX XXXX XXXX and Experian. Therefore I am disputing and rejecting the abuse of those two companies against my information to cause me irreparable damages and losses and they did. ___ From that information shown in the files attached, many Experian deletion occurred and against my information and without any business need neither both companies obtained consent to pull my and/or manipulate my credit files that Experian administers inappropriately in retaliation against me .- - Experian deleted unauthorized access to my information my XXXX XXXX XXXX XXXX as my employer spying against me to cause me irreparable damages and losses.- It is against FCRA to provide my personal information about ( or give access to ) my private credit report and to my employer XXXX   XXXX XXXX XXXX and by Experian and without my written authorization.- - Experian must Comply to Law and it is commanded by law now to preserve all evidences of every information related to my person and in any form it has it or restore it and at any time. Permanent Destruction of the evidence will cost you severe legal consequences and it will be another proof of your crimes against me. Your responses to this complaint will be used against you in a court of law. Between us the public opinion and courts. _____. - - - - - XXXX XXXX XXXX XXXX and Experian the credit bureau must be sanctioned by authorities for 100s of millions of dollars for their crimes, violations and conspiracy against my person and/or consumers in general - - - It is very likely that very soon I will formerly present all my evidences to the authorities with jurisdictions over each of those two companies- -also, if presented, I would formerly and legally accuse them for their violations against my rights asserted under many laws such as but not limited to the CFPA of 2010 as amended, FCRA, Privacy Act, Freedom Of Information Act,, and other applicable state and federal regulations or laws.- - - each of XXXX XXXX XXXX  XXXX Violations and each of Experian violations against my person were committed and proven by clear convincing evidences that each of the violators intended to coerce me for complaining and filing with the CFPB complaints against the violators .______ - - it seems that since no sanctions posed yet on them, The violators are not willing to stop their retaliation and discrimination against me- Here is the Experians novel response talking about something else the complaint is not about : / Thank you for submitting your complaint on XX/XX/2019 through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We have reviewed and considered the information you have supplied through the CFPB portal and directly to Experian. Per your previous requests to conduct an investigation, we contacted the data furnisher and asked them to verify the accuracy of the information with which you disagree. They responded and verified that the disputed information was accurate as reported. The result summaries were sent to you for review. If you have any additional supporting new documentation regarding the disputed information or any new disputes, you may forward that to Experian for further review. If you disagree with the results of the reinvestigations, it is your legal right, under the FCRA, to add a 100-word statement specifying the nature of your dispute. The consumer statement will appear on your credit report and be viewable upon inquiry. If you would like our assistance in providing a concise statement, please contact us directly at the telephone number or address provided on your personal credit report and we would be happy to assist you. You may refer to the credit report that you received for the name, phone number ( if available ) and address of the data furnisher or public records office name who verified that information. In addition, for more information regarding your credit and frequently asked questions, you may visit : http : //www.experian.com/blogs/ask-experian. When you dispute the accuracy or completeness of information on your personal credit report and tell us specifically why you believe the information is inaccurate or incomplete, we process your dispute as required by law. We contact the furnisher of the information or the vendor that collected the information from a public record source such as a court or other government office. We ask the furnisher or the vendor to verify all of the information regarding the item you disputed, and report back within 30 days of the date that we received your request ( 21 days for Maine residents and 45 days for disputes of information on an annual free credit report ). We review and consider the response to determine whether to accept it, reject it, or follow up for additional information. If, after processing, we find that the disputed information is inaccurate, incomplete or can not be verified, we then delete that information, or modify that information, as appropriate, based upon your dispute and the results of our processing. If we do not receive a response from the furnisher or the vendor within the required period, we update the item as you have requested or delete the information, and send you the results. In some instances, upon reviewing your credit file and any relevant information you have submitted to us, we are able to determine whether the disputed information should be changed or deleted without having to contact the furnisher or the vendor. After we complete our processing, we send you the results. In addition to your right to dispute information in your credit file with the credit reporting agencies, you also have the right to dispute information in your credit report directly with the furnisher of the information. According to the Fair Credit Reporting Act ( FCRA ), a national consumer credit reporting agencys role in the dispute process is to review the accuracy and completeness of any disputed item which may include contacting the furnisher of the information or the vendor that collected the information from a public record source, such as a court or other government office, notifying them of the disputed information and disclosing all relevant information regarding the consumers dispute. In order to help resolve the consumers dispute, Experian will review all relevant documents submitted by the consumer with the dispute and will forward such documents to the furnisher if Experian is unable to resolve the issue based on those documents. Consumers may also contact creditors directly to dispute items reported by the creditor. If the issue is not resolved, then the consumer credit reporting agency must offer to include a consumer statement on the personal credit report. Please note that accurate information can not be deleted. Potentially negative items, such as missed or late payments, remains on the personal credit report for seven years from the date of the original missed payment. For additional assistance, you may call the toll free telephone number provided on your personal credit report obtained directly from Experian, or write to Experian at XXXX. XXXX XXXX, XXXX, TX XXXX. For more information regarding your credit and frequently asked questions, you may visit : http : //www.experian.com/blogs/ask-experian. Please note that you may also submit your request or documents supporting your claim electronically at www.experian.com/upload. You may also visit Experians dispute center by visiting www.experian.com/dispute. Thank you for submitting your complaint through the CFPB Complaint Portal. It is our policy to respond to consumer complaints swiftly and to take each complaint seriously. We appreciate you letting us know about your experiences with Experian - _experian enough is enough Experian you had enough crimes* toward XXXX XXXX and do not undermine the CFPB, the public and the complainant please. 

-/ You provided the complainant XXXX XXXX credit report to his employer XXXX XXXX XXXX XXXX who used that information and you caused XXXX XXXX severe damages and losses. 
-/ / If the CFPB will not sue Experian for hundreds of millions of dollars for violating recklessly knowingly a resident Of Virginia  Rights in the way you did then XXXX XXXX will seek the Virginia Attorney general, the Virginia Senator and Governor to have a say publicly on this and as soon as appropriate awaiting your response to be used against you in a court of law and all herein without waiving the complainant Rights. 

- - - - All stated herein is to my current states belief, knowledge and understanding and it is all subject to any change or correction of any kind and at any time and by my person or legal counsel and without any notice and without waiving my rights .- - - Thank you, - - The complainanttoday XX/XX/2019.- -

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