Consumer complaint received 2021-06-11
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: Account information incorrect

Complaint:
This complaint is regarding the financial, emotional, and mental damages that I have acquired due to many errors and incongruencies of the consumer credit report furnished by Experian on my behalf for various years without my previous written consent. I have addressed Experian and have pointed out all the violations they have made against me and the laws they are breaking. I have exhausted all means of communication with Experian, therefore I am now contacting you CFPB, to help put a stop to these abusive practices and help me obtain the remedy I am entitled to. 
- 15 USC 1681 ( a ) ( 3 ) = Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. Experian is not a government agency and I have not given direct permission to Experian to report on me or for me.

- 15 USC 1681 ( a ) ( 4 ) = Consumer reporting agencies need to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Experian has not respected my right to privacy. 
- 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) = Consumer reports do not include information solely as to transactions between the consumer and the person making the report. The report from Experian displays transactions of alleged debts.

- 15 USC 1681a ( d ) ( 2 ) ( B ) = a consumer report does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card. I am in fact the only one who can issue credit through a credit card, which in this case is issued through my Social Security card, therefore Experian must stop violating my rights and privacy. 
- 15 USC 1681a ( e ) = A consumer report is obtained through personal interviews with friends or neighbors of the consumer and such report shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer. All accounts that Experian has or had included in my consumer report have been obtained from third parties not authorized or permitted by law. 
- 15 USC 1681b ( a ) ( 2 ) = A consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer to whom it relates. I have only given directions to Experian in my recent correspondences, to furnish such report including only information that follows my written instructions, but Experian has continued to report incorrect data.

- Pursuant to the FCRA and Public Law No. 91-508 ( 15 USC 1681g ), Experian has not disclosed to me any documents that they have recorded and retained in their file at the time of the requests concerning the accounts that Experian has or had reported in my credit report, therefore, all accounts must be deleted immediately.

Experian has willfully failed to comply with any requirement imposed under Title 15 Chapter 41 Subchapter III and FCRA, therefore I am entitled to {$1000.00} per violation, not including actual damages sustained by the consumer as a result of the damages. 
Notice 1 was received by Experian on XX/XX/2021 by USPS Priority Express number XXXX  XXXX XXXX XXXX XXXX. 
Notice 2 was received by Experian on XX/XX/2021 by USPS Certified number XXXX XXXX XXXX XXXX XXXX. 
Notice 3 was received by Experian on XX/XX/2021 by USPS Certified number XXXX XXXX XXXX XXXX XXXX. 
Notice 3 was also received as Cc by the CEO of this agency on XX/XX/2021 by USPS Certified number XXXX XXXX XXXX XXXX XXXX. 
Attached are all the documents, exhibits displaying statutory damages, Bill of Particulars/Invoices, and overall proof of my claims that further supports my case. Please help to enforce my rights and to ensure Experian follows the law as well as my demands/instructions included in my letters.

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