Consumer complaint received 2023-08-09
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Violation of The United States Code Law and Dispute of Account Information Dear Sir/Madam, I am writing to formally address discrepancies and potential violations associated with my credit profile as maintained by XXXX. It is imperative for credit reporting agencies to uphold the highest standards of accuracy and adhere to federal regulations. I have identified several areas of concern that warrant immediate attention and rectification.

Pursuant to 15 U.S. Code 1681b, I have not provided explicit written consent for certain items to be reported on my consumer report. The absence of such consent is tantamount to identity theft. Furthermore, under the stipulations of 15 U.S.C. 1681a ( 2 ) ( B ), any authorization or approval of a specific extension of credit by the issuer of a credit card or similar device should be excluded from a consumer report. The term " credit card '', as defined under 15 U.S.C. 1602 ( I ), encompasses any credit device, including my social security card, which I have utilized for various consumer credit transactions. These transactions, therefore, should be excluded from my consumer report.

Additionally, pursuant to 15 U.S.C. 1681n, I may be entitled to damages of {$1000.00} for every unauthorized credit inquiry made on my account without my explicit consent.

The following accounts and inquiries are disputed : XXXX Account Number : XXXX Issue : Billing discrepancy. This account was consistently settled on time. This misrepresentation is in violation of 15 USC 1666B. 

XXXX Date of Inquiry : XX/XX/XXXX Issue : Unauthorized inquiry. I request its removal from my credit report and seek damages as stipulated under 15 U.S.C. 1681n. 

XXXX XXXX Date of Inquiry : XX/XX/XXXX Issue : Unauthorized inquiry. I request its removal from my credit report and seek damages as stipulated under 15 U.S.C. 1681n. 

The furnishing of an alleged debt on my credit report contravenes 15 U.S.C. 1692b ( 2 ). Such a representation can be perceived as an attempt to unduly influence payment, which is prohibited.

Your agency appears to be in violation of 15 U.S.C. 1692G. I was not provided with the requisite written notification 5 days prior to any action. As the original creditor, I am the sole authority to validate this debt. I do not recognize or validate this debt, and as such, I demand its removal from my report. 

I urge XXXX to address these concerns promptly. Failure to do so will compel me to seek legal redress, including potential monetary damages, in my local jurisdiction. 

I anticipate your timely response and corrective action on this matter. Thank you for your attention to this serious issue. 

Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Information and Violation of The United States Code Law I have identified potential violations of the Fair Credit Reporting Act ( FCRA ) in my report : Permissible Purposes of Consumer Reports ( 15 U.S. Code 1681b ) : I have not provided explicit written consent for certain items to be reported on my consumer report. The absence of such consent is a serious concern and may be considered a violation of my rights. 

Credit Card Definition ( 15 U.S.C. 1681a ( 2 ) ( B ) and 15 U.S.C. 1602 ( I ) ) : The credit card, in this context, refers to my social security card. This card was used to initiate every consumer credit transaction listed in my report. These transactions should be excluded from my consumer report.

Unauthorized Inquiries : I did not provide consent for the following inquiries : XXXX  XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX  on XX/XX/XXXX Each unauthorized inquiry may be subject to a penalty of {$1000.00} as stipulated under 15 U.S.C. 1681n. 

Incorrect Personal Information : The address listed as " XXXX XXXX XXXX XXXX, NY XXXX '' is inaccurate and should be corrected or removed. 

Alleged Debt Reporting ( 15 U.S.C. 1692b ( 2 ) ) : The furnishing of an alleged debt on my credit report may be seen as an attempt to unduly influence payment, which is prohibited. 

I also request a detailed description of the procedure used to determine the accuracy and completeness of the information.

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