Consumer complaint received 2020-12-08
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Dear Experian According to 15 U.S. Code 1681 - Congressional findings and statement of purpose under the Fair Credit Reporting Act ( FCRA ).

( a ) ACCURACY AND FAIRNESS OF CREDIT REPORTING The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code 1681 - Congressional findings and statement of purpose lets me the consumer know that as a credit reporting agency, Experian must report alleged furnishings and consumer information accurately and respect my consumers right to privacy.

Any laws under the FCRA that Experian fails to follow is a violation and can be compensated for according to 15 U.S Code 1692k Civil Liability.

According to my consumer report from Experian I find several violations to my consumer rights.

Because of the findings of violations within my consumer report from Experian.

I Demand deletion of all furnishings from my consumer report. As they are violations upon my consumers right to privacy as referenced to in 15 U.S. Code 1681 - Congressional findings and statement of purpose. Also, according to 15 U.S.C 1681b - Permissible purposes of consumer reports. ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I have not given Experian Any written instruction to the furnishing Any of my personal information. Which reflects the invading of my right to privacy in which 15 U.S. Code 1681 - Congressional findings and statement of purpose declares that I have as a consumer.

Because Experian has violated my consumer rights and ultimately not followed the provisions of the FCRA that governs Experian as a credit reporting agency. I Demand Deletion and Removal of All furnishings because Experian as not received Any written instruction to furnish any of my personal information. In which Experian must have that written permission according to 15 U.S.C 1681b - Permissible purposes of consumer reports.

After reading the laws that Experian have violated and have been proven that Experian has violated. If Experian feels that the alleged furnishings are indeed accurate. I request Validation and Verification of all alleged furnishings on my consumer report from Experian. The validation of these furnishings must follow in accordance with the provisions of 15 U.S. Code 1692g - Validation of debts ( a ) NOTICE OF DEBT ; CONTENTS Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

( c ) ADMISSION OF LIABILITY- The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.

My request for validation and verification of the alleged furnishings from Experian should not only follow in accordance with the provisions of 15 U.S. Code 1692g - Validation of debts. But also, under lawful definition of Verification. Which is the declaration under oath or upon the penalty of perjury. A response in an Affidavit of Tr uth under the penalty of perjury validating and verifying all furnishings on my consumer report from Experian will suffice.

If these alleged furnishings tha t have been furnished on my consumer report can not be validated and verified in accordance with 15 U.S. Code 1692g - Validation of debts, and in declaration under oath or upon the penalty of perjury in an Affidavit of Truth. I Demand Deletion and Removal of all furnishings from my consumer report as it would be proven that the furnishings are indeed inaccurate and incorrect.

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