Consumer complaint received 2023-02-26
Company: Experian Information Solutions Inc.
State: AR
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:
YOUR COMPLAINT NOTICE TO PRINCIPAL IS NOTICE TO AGENT AND NOTICE TO AGENT IS NOTICE TO PRINCIPAL My name is XXXX XXXX and I am the beneficiary of the trust that is XXXX XXXX. The information attested in this letter was done so with clean hands and in good faith. This letter is meant to address the credit report of XXXX XXXX. As the Beneficiary to the trust that is XXXX XXXX, I will be making all necessary steps to be sure this situation is handled according to Federal Consumer Laws that be. Upon examination of said Consumer Credit Report, I observed multiple inaccurate entries in the file pertaining to the personal information and Consumer Credit Accounts. I am formally making the demands to correct those inaccurate entries. I also noticed that XXXX, EXPERIAN and XXXX has allowed multiples companies to report negatives on the report that are both defaming and derogatory without validation of the debt. There are also multiple inquiries on the report that caused lack of approval due to said defamatory and derogatory reporting ( s ). All these above-mentioned violations have caused an enormous amount of embarrassment, hardships, stress and a credit file that has made life almost unbearable with credit worthiness being as pertinent as it is to a healthy life. Considering this and pursuant to Federal Consumer Laws, I am requesting that all derogatory and defaming credit account reporting, all addresses, phone numbers, all personal information, all closed and/or charged off accounts, all negatives reported to all open accounts, all inquiries both hard and soft and any information that could affect the credit worthiness in any way be brought current. I am also demanding that all communication cease and desist unless contact is made via USPS certified mail. These demands are made pursuant to : 18 USC 1028 Fraud and related activity in connection with identification documents, authentication features, and information 15 USC 1611 Criminal liability for willful and knowing violations 15 USC 1692 ( g ) Validation of debt 15 USC 1692 ( j ) Furnishing certain deceptive forms ; 15 USC 1637 Open end consumer credit plans 42 USC 1983 Civil actions for deprivation of civil rights 18 USC 8 Obligation or other security of the United States defined 15 USC 1606 Determination of annual percentage rate 15 USC 1681 ( b ) Permissible purpose of consumer reports 15 USC 1602 ( j ) Definitions and rules of construction 15 USC 1 Trusts, etc., in restraint of illegal ; penalty. Every contract, combination in the form of trust or otherwise, or conspiracy, in restraint of trade or commerce among the several States, or with foreign nations, is declared to be illegal. Every person who shall make any contract or engage in any combination or conspiracy hereby declared to be illegal shall be deemed guilty of a felony, and, on conviction thereof, shall be punished by fine not exceeding {>= $1,000,000} if a corporation. If demands are not met within 10 days of the date this letter is delivered, I will be taking the proper steps to have this issues resolved according to codes sited above which includes seeking damages. XXXX XXXX Beneficiary Date XX/XX/XXXX 24th

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