Consumer complaint received 2022-08-05
Company: Experian Information Solutions Inc.
State: IL
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX and XXXX XXXX, XXXX have taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority and EXPERIAN has done nothing to rectify the situation even though I've provided ample opportunity to do so, making them WILLFULLY NONCOMPLIANT. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been flagrantly violated. There is NO LAW that states that they are required to report derogatory items to a consumer credit report or file and 15 USC 1681s-2 ( 7 ) ( E ) very plainly and clearly states that. These companies do this anyways to coerce and extort you by threatening your financial reputation and causing undue strife and mental anguish preventing me from obtaining credit that is my right and regulated under Federal law! I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). If you notice in the attached files ( exhibit A ), XXXX XXXX, XXXX chose not to furnish ANY positive payment history, further proving they are acting maliciously to coerce repayments on alleged debts. EXPERIAN was not exercising its grave responsibility with respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to ensure the accuracy of the information given by XXXX  XXXX or XXXX XXXX, XXXX before furnishing it, and requested documentary evidence was not provided to prove that they had even performed a substantial investigation. This very clearly shows that EXPERIAN has shown bias towards me because I never gave my lawful authority to any consumer reporting agency or financial institution, let alone EXPERIAN, XXXX XXXX, or XXXX XXXX, XXXX to furnish any late payments to my consumer report. It is my undoubted belief that due to XXXX XXXX, XXXX and XXXX XXXX 's business relationship with EXPERIAN, this consumer reporting agency literally parrots any information given to them as a means of conspiring together to coerce consumers to pay extra fees for debts that they allegedly owe. They have come up with an elaborate scheme to con consumers out of their hard-earned money through fraudulent practices and not only is this actual extortion this appears to be racketeering. I intend to file a criminal suit against ALL PARTIES involved in what transpired under the RICO act which is punishable by law, up to 20 years. I'm a litigious consumer and have no problem exercising my rights to the fullest extent.

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