Consumer complaint received 2022-08-13
Company: Experian Information Solutions Inc.
State: MI
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:
Under 15 USC 1681 ( a ) Permissible Purpose 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. 
EXPERIAN did NOT/ do NOT have permissible purpose I did NOT give Experian my written consent to report anything to my consumers credit report. No consent is identity theft. 

Experian has violated many consumer laws so lets state a few. 

Under 15 USC 1681 ( a ) 4- Accuracy and fairness of credit reporting ( 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. 

Experian is a credit reporting agency, right? This law clearly states that AGENCIES are to be accurate and fair. Wheres the accuracy and fairness? The last few words of 15 USC 1681a ( 4 ) states RESPECT FOR CONSUMERS RIGHT TO PRIVACY. Experian had violated its 2nd consumer law.

Under 15 USC 1611- Criminal Liability for willful and Knowing Violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both.

Experian has yet AGAIN, violated the law.

Experian willingly, carelessly and Knowingly violated 15 USC 1611. 

Experian has posted hard inquiries on my consumers credit report without my consent, one being XXXX XXXX XXXX XXXX 
For every hard inquiry posted on my report is XXXX a piece for every party responsible for reporting hard inquiries to my credit report. 

Ive reached out to EXPERIAN regarding this matter via mail/ certified letters with return receipts to rest assure that they receive my demands! EXPERIAN still failed to remove what was demanding them to do. 
Experian has also In fact violated their own policy. 
Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item. 30 days plus some has passed.

Experian has also committed Aggravated identity theft. Experian took information from a third party other than myself and posted it to my consumers credit report. Knowingly and willingly.

Under 18 U.S. Code 1028 ( a ) Aggravated identity theft ( A ) Offenses.- ( 1 ) In General- Whoever, during and in relation to any felony violation enumerated in subsection ( c ), Knowingly transfer, possesses, or use, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. 

A copy of this will be sent to all parties responsible, the attorney general and 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 non-monetary relief