Consumer complaint received 2022-10-25
Company: Experian Information Solutions Inc.
State: SC
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:
I am the consumer writing this complaint and there is no third party involved. As a federally protected consumer under Title 15 Chapter 41, my rights have been violated and Experian is criminally and civally liable in accordance with The Fair Credit Reporting Act, The Gramm Leach Bailey Act and also civilly liable in accordance with several federal laws. I have learned that Experian has breached their fiduciary duty by using my credit report improperly. Experian failed to provide an explanation as to how I can excercise my right to nondisclosure causing my credit report to be damaged, leaving me disadvantaged. Experian is required to exercisethe grave responsibilities that were given to them with fairness, impartiality, and respect for the consumers privacy. Experian has not done that. I have requested and disputed the accounts listed in this complaint multiple times dating back to XXXX of XXXX. The tradelines/accounts mentioned below, need to be deleted due to multiple inaccuracies and inquiries from unknown sources. Since XX/XX/XXXX I have requested that these inquiries and negative tradelines be investigatedand/or deleted from my consumer report. I am afraid that Experian is neglecting their responsibility to respect a consumer'sprivacy with fairness and impartiality because Experian consistently responds to mydisputes with an automated response, which in fact is aviolation. Experian can not claim it verified any account in accordance with 15 USC 1681a ( e ). If Experian can prove this, then I requestproof in form via Affidavit of Facts. Congress made it clear that ANY contract or CONSPIRACY that causes a restraint of trade and commerce is ILLEGAL. Congress also ensured that unauthorized use of a consumer'sinformation is a violation. Any agent, employee of the companieslisted using my credit card ( social security card ) has unauthorized use of my credit card, in accordance with 15 USC 1602 ( p ) .Financial institutions are required to provide consumers with an option to opt out of negative information in accordance with the Gramm-Leach Bailey Act. I have not received such an explanation.Experian violated 15 USC 1681i ( a ) ( 5 ) after reinvestigation all unverified information must be promptly deleted by not providing me sufficient documentary evidence of this transaction. 15 USC 1681 Section 602 A. states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions. The accounts mentioned above are harming my ability to obtain credit, and is inaccurate information that can not be verified. If you can not provide me sufficient documentary evidence that these accountsare verified and completely accurate they must be deleted within 15 days. 
Experian is knowingly neglecting rectifying the errors on my consumer report causing me to be uniformed and disadvantaged.Due to the above reasons I am demanding deletion of all negative marks on my consumer report including collection accounts and inquiries from unknown sources. These tradelines are a direct violation of my right to privacy, in accordance with 15 USC 1681 ( a ) ( 4 ) and The Privacy Act of 1974. 
I took the time to list a few federal laws that Experian has violated. They are listed below 1. Truth In Lending Act 2. Fair Credit Reporting Act 3. Gramm Leach BaileyAct 4. The Sherman Antitrust Act 5. Federal Trade Commission Act 6. RICO 7. Equal Credit OpportunityAct 8. The Privacy Act of 1974 9. Fair Debt Collection Practices Act 10. Robinson Patman Act 11. The CARES Act The following inquiries and collection accounts are inaccurate. Not only is this information inaccurate, the information is bearing on my financial reputation and credit worthiness. In addition to that the inquiries listed were created from unknown sources and can not be verified. 

Inquiries From Unknown Sources HARD XXXX. XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX - Account Status and payment summary are incomplete and inconsistent with XXXX credit reportex. Experian is reporting missing payments for XXXX and XXXX, XXXX has not furnished a payment summary. 
XXXX. XXXX - Account Status and Information are inconsistent with XXXX Credit Reportex. Account Status and Payment History are Incomplete 3. Self - Account Status and Information are inconsistent with XXXX Credit ReportInaccuracy - Open Dates & Last Payment are not consistent with XXXX report XXXX. XXXX - Account Payment information are inconsistent with XXXX and XXXX Credit Report 5. XXXX  - never received an initial communication confirming details of alleged debt The error mentioned above are causing damage to my credit report. Furthermore, I deserve an equitable report. I demand the errors mentioned above are deleted when they are not verified within 15 days.

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