Consumer complaint received 2022-11-12
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This notice serves as a Cease and Desist to Experian. Pursuant to 15 USC 1692k you are hereby civilly liable under the following : Due to the recent data breaches occurring within the various Credit Reporting Agencies : XXXX XXXX XXXX ; I also decided to reorder my Experian report. What I've known to be true has been confirmed with the latest report provided by them # XXXX. I've attempted to have this erroneous information BLOCKED, REMOVED AND PERMANENTLY DELETED several times over the past year by making phone calls, writing letters and faxing proper identification unsuccessfully. I have also submitted FTC reports ( report # XXXX ) concerning these breaches and erroneous information being reported, under the guise of belonging to me. It is evident that someone within your company has fraudulently accessed my profile and inserted or reinserted erroneous, incomplete, inaccurate and invalidated information. I am demanding Experian to correct this egregious error under law set out by Congress, the FTC and the FCRA. Experian has violated my rights as a Federally protected consumer by willfully and intentionally reporting erroneous information that has caused me severe financial harm, emotional distress, and a lower quality of life that has hindered me from extending my credit under good faith. If Experian fails to take action by continuing to ignore my demands I will hold them civilly and criminally liable for all damages suffered while trying to right their wrongs. Please remove all negative and incorrect information you currently have reporting under the guise of belonging to me. You have not in fact proven or validated by law that any of it belongs to me : Per your generated report # XXXX : permanently block and remove : all potentially negative accounts you have showing/reporting under XXXX XXXX including : XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX bankruptcy petition REFERENCE XXXX XXXX Also permanently block and remove all erroneous and incorrect personal Information : XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX # XXXX Also block and remove all erroneous and incorrect Addresses : ADDRESS ID # XXXX ADDRESS ID # XXXX ADDRESS ID # XXXX ADDRESS ID # XXXX ADDRESS ID # XXXX ADDRESS ID # XXXX ADDRESS ID # XXXX ADDRESS ID # XXXX ADDRESS ID # XXXX ADDRESS ID # XXXX ADDRESS ID # XXXX ADDRESS ID # XXXX ADDRESS ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA, XXXX ADDRESS ID # XXXX ADDRESS ID # XXXX ADDRESS ID # XXXX ADDRESS ID # XXXX ADDRESS ID # XXXX Also permanently block and remove ERRONEOUS INCORRECT PHONE NUMBERS : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Also permanently block and remove erroneous/incorrect employers : XXXX XXXX XXXX XXXX XXXX XXXX By continuing to report this erroneous , inaccurate and invalidated information you are willfully and intentionally violating Federal Laws as well as your own company policies without any regard for the harm it is causing me as a consumer. 
I am demanding Experian to block and remove this negative information pursuant to 15 USC 1681 c-2. Once again, I have submitted the required FTC reports, the report # is XXXX. The Fair Credit Reporting Act ( FCRA ) 15 USC 1681 seeks to ensure the " accuracy and fairness of credit reporting ''. In recognition of the importance of such accuracy and fairness to the interests of individual consumers and to efficient functioning of the banking system, Congress imposed obligations both on consumer reporting agencies ( CRAs ) such as credit bureaus that compile consumer reports, and on creditors and others who provide information to those agencies. Pursuant to 15 USC 1681-b ( requiring CRAs to " adopt reasonable procedures '' for credit reporting, in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information. '' Also, pursuant to 15 USC 1681s-2, " requiring furnishers of information to provide accurate information and to investigate and report the results of all disputes regarding such accuracy ''. As a consumer, I am asserting my rights and am fully aware that Congress has entrusted the Federal Trade Commission ( FTC ) with primary responsibility for governmental enforcement of the FCRA as it applies to CRAs and those who furnish information to them. Pursuant to 15 USC 1681s - the Act states that ANY violation of the FCRA " shall constitute an unfair or deceptive act or practice in commerce in violation of section 5a of the FTC Act : 15 USC 45 ( a ) and shall be subject to enforcement by the federal Trade Commission under section 5 ( b ) thereof ''. I am also aware of my rights set out by Congress as a consumer to seek damages for said violations of the FCRA by " any person '' pursuant to 15 USC 1681n, 15 USC 1681o.

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 non-monetary relief