Consumer complaint received 2023-10-13
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  DC XXXX Date : XX/XX/XXXX Dear Experian, I, XXXX XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by, The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentially Under 15 USC 1681. Per Consumer Financial Protection stated you did investigation XX/XX/XXXX please give me information on how you conduct the investigation and what procedures you took to on this matter. After talking with the local police department here in Washington XXXX DC and family, friends, neighbors, etc. 




Please remove this address off of my credit file immediately, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX Date : XX/XX/XXXX Dear Experian, I, XXXX XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by, The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentially Under 15 USC 1681. Per Consumer Financial Protection stated you did investigation XX/XX/XXXX please give me information on how you conduct the investigation and what procedures you took to on this matter. After talking with the local police department here in XXXX XXXX  DC and family, friends, neighbors, etc. They never received any interview or notices about the investigation on this matter. 
Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$8500.00} reporting Repossession on my credit report for XX/XX/XXXX thru XX/XX/XXXX. No documentation of a balance or notices from XXXX or XXXX XXXX XXXX. 15 U.S. CODE 1681N- CIVIL LIABLILTY FOR WILILFUL NON-COMPLIANCE ( A ). Any actual damage sustained by the consumer because of the failure or damages of not less than {$100.00} and not more {$1000.00}. 

Account Name : XXXX XXXX XXXX Account : XXXX Closed Account : XX/XX/XXXX Reporting : XX/XX/XXXX through XX/XX/XXXX delinquent payments and of as ( 7 ) months of delinquent payments etc. Experian, XXXX, Experian has been reporting payments late in the amount of {$10000.00}. 15 U.S. CODE 1681N- CIVIL LIABLILTY FOR WILILFUL NON-COMPLIANCE ( A ). Any actual damage sustained by the consumer because of the failure or damages of not less than {$100.00} and not more {$1000.00}. 
15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1692. ( C ) ( A ). Fact, The Truth in Lending Act is intended to inform consumers about the cost of credit. Fact, The Truth in Lending Act is intended to protect consumers against abuse and deceit by creditors and I have been abused and deceived so be it. The affiant is aware and has proof in attachment labeled as exhibit A that corporation name is in violation.

15 U.S. CODE 1681N- CIVIL LIABLILTY FOR WILILFUL NON-COMPLIANCE ( A ). Any actual damage sustained by the consumer because of the failure or damages of not less than {$100.00} and not more {$1000.00}. 


Delete this account immediately, unless you want to be held {$1000.00} per violation, per year with wrong data reporting information. This account has cause me and my family 27 % percent interest on car loan with damages as well. 
Thanks XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, Attorney General of XXXX XXXX DC XXXX Consumer Financial Protection Bureau XXXX XXXX, Attorney for XXXX XXXX XXXX XXXX XXXX They never received any interview or notices about the investigation on this matter. 
Account Name XXXX XXXX XXXX XXXX  Account Number XXXX XXXX  Balance : Closed Balance : {$8500.00} reporting Repossession on my credit report for XX/XX/XXXX thru XX/XX/XXXX. No documentation of a balance or notices from XXXX or XXXX XXXX Services. 15 U.S. CODE 1681N- CIVIL LIABLILTY FOR WILILFUL NON-COMPLIANCE ( A ). Any actual damage sustained by the consumer because of the failure or damages of not less than {$100.00} and not more {$1000.00}. 

Account Name XXXX XXXX XXXX XXXX  Account : XXXX Closed Account : XX/XX/XXXX Reporting : XX/XX/XXXX through XX/XX/XXXX delinquent payments and of as ( 7 ) months of delinquent payments etc. Experian, XXXX, Experian has been reporting payments late in the amount of {$10000.00}. 15 U.S. CODE 1681N- CIVIL LIABLILTY FOR WILILFUL NON-COMPLIANCE ( A ). Any actual damage sustained by the consumer because of the failure or damages of not less than {$100.00} and not more {$1000.00}. 


15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1692. ( C ) ( A ). Fact, The Truth in Lending Act is intended to inform consumers about the cost of credit. Fact, The Truth in Lending Act is intended to protect consumers against abuse and deceit by creditors and I have been abused and deceived so be it. The affiant is aware and has proof in attachment labeled as exhibit A that corporation name is in violation.

15 U.S. CODE 1681N- CIVIL LIABLILTY FOR WILILFUL NON-COMPLIANCE ( A ). Any actual damage sustained by the consumer because of the failure or damages of not less than {$100.00} and not more {$1000.00}. 


Delete this account immediately, unless you want to be held {$1000.00} per violation, per year with wrong data reporting information. This account has cause me and my family 27 % percent interest on car loan with damages as well. 
Thanks XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, Attorney General of XXXX XXXX DC XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX

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