Consumer complaint received 2022-01-23
Company: Experian Information Solutions Inc.
State: LA
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:
Experian has been furnishing consumer reports related to me with inaccurate and incorrect information on it. I have tried numerous times to contact the company however it has taken over a year for them to correct only a few. I am exhausted as a consumer and feel harassed and like this consumer reporting agency knows it is in gross violation of the law and has no intention on correcting the information. 

AFFIDAVIT OF FACT Notice to all that I am, a consumer in fact, XXXX XXXX, it is my understanding that I am going to tell the truth the whole truth in all matters here. Having so qualified my testimony I now take my affidavit and submit it into court record in full and state that everything in my Affidavit is the truth and the whole truth for the record. Made under penalty of perjury. 

The Fair Credit Reporting Act 15 USC 1681 was made by congress to ensure accuracy and fairness of credit reporting. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

Fact, I have rights that are protected fully by the Fair Credit Reporting Act ( FCRA ). No state nor company laws or policies supersede this act when it comes to my consumer report. Violations are punishable under Civil Liability laws within the FCRA impose fines up to {$1000.00} each to be paid to the victim ( consumer ) each time the violation occurs. 
Fact I, have the right to privacy pursuant to 15 USC 1681 There is a need to insure the consumer reporting agencies exercise their grave responsibility with fairness, impartiality, AND THE RESPECT FOR THE CONSUMERS RIGHT TO PRIVACY. My privacy has been invaded and I have the proof in which I will enclose. 
Fact, Since XX/XX/2021 I have opened disputes on all negatively reporting items on my consumer report as they all had some form of inaccuracy attached to it and if that inaccuracy was corrected the banking system that is dependent upon fair and accurate credit reporting would have been unaffected as it relates to me. 
XXXX, XXXX to 15 USC 1681a-2 the term consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report. My consumer report currently contains transactions and experiences that should not be reporting to my report. The account balances, late payments, utilization rates and inquiries are a direct violation of the exclusions outlined in 15 USC 1681a-2 it is not supposed to be reported. I have the right to privacy as well. Both are direct violations as it relates to the following accounts on my consumer report : -Acct # XXXX -Acct # XXXX - Acct # XXXX -Acct # XXXX -Acct # XXXX -Acct # XXXX -Acct # XXXX Fact, Pursuant to XXXX XXXX XXXX, Permissible Purpose of consumer reports in accordance with the written consent of the consumer in which it relates. Which means you need my permission to furnish anything on my report. If I didnt give written consent you are in open violation of this law. I the consumer never gave my written permission for the following accounts to report to my consumer reports in any way. The account numbers, balances, payment history and transactions all fall under the exclusion section. None of the following are approved on have I consented to report any of that information and I invoke my right to privacy. 
-Acct # XXXX -Acct # XXXX - Acct # XXXX -Acct # XXXX -Acct # XXXX -Acct # XXXX -Acct # XXXX Fact, I have records of me disputing the validity of all for the above accounts over the past year and you reply over and over with more violations and disregard for the law and my rights as a consumer. These inaccuracies remain and you have stated over and over that all accounts were verified as accurate and investigations have been done. However, 15 USC 1681a states an investigation must be done through personal interviews with neighbors, friends and family of the consumer in which is relates. None of my family, friend or neighbors have been interviewed and I would like the company to abide by federal laws and remove these items. Just because these other companies get away with reporting anything to you directly does not mean that you can turn around and report it to the public without investigating and fact checking. A CRA should not assume should a grave responsibility if it was not ready to put in the actual work to ensure their procedures are in accordance with federal laws and mandates. 


Fact, there are many violations against me as a consumer that have been made. I have enclosed some examples with citations as supporting documents incase further action is needed. Please show good faith and delete all of the above as I do not give consent for them to be reported. Correct all account balances and bring them to zero, deleted all late payments and lower utilization to 5 % as per the consumers request. That is what I want and so it shall be. I have a right to privacy, and I am asserting it since I was not given this opportunity previously. My ignorance to consumer law left me vulnerable to predatory and harassing credit reporting agencies such as yourself. 


I declare and will testify viva voce, in open court, under penalty of perjury that all herein be true to the best of my knowledge. Executed on this XXXX day, of the XXXX month, in the year of our Lord and Savior, two thousand twenty-two. 



XXXX XXXX Affiant All Rights Reserved

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