Consumer complaint received 2022-01-13
Company: Experian Information Solutions Inc.
State: GA
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:
I'm writing this complaint in regard to a previous complaint I submitted to the CPFB about Experian. I'm not sure who these people think they are or what power these credit reporting agencies may think they have but let me remind them. Pursuant to 12 CFR 1022.3 ( f ) I am the consumer in fact and pursuant to 15 usc 1681 ( 2 ) Experian is defined as " An elaborate mechanism '' that has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. Pursuant to 15 USC 1681 ( 3 ) Consumer reporting agencies in this case ( Experian ) have ASSUMED a vital role in assembling and evaluating consumer credit and other information on consumers. Congress clearly informs me as a consumer that this elaborate mechanism known as Experian has absolutely no power and have only assumed this role but I refuse to let them assume any role over my life as a consumer. Pursuant to 15 usc 1681 ( 4 ) congress says that 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 and Experian who is a consumer reporting agency pursuant to 15 USC 1681a ( f ) has not exercised their responsibility with fairness, impartiality and a respect for my right to privacy as a consumer. Pursuant to 15 usc 1681b reasonable procedures, Experian failed to adopt a reasonable procedure for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information. Experian has in fact treated me in a manner that is unfair and inequitable. Experian who is a consumer reporting agency pursuant to 15 usc 1681a ( f ) has been violating federal law 15 usc 1681b ( a ) states that 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. I never gave Experian any written consent to report anything to my consumer report. They have in fact been using misusing my consumer report and furnishing information with out my consent. I wrote Experian explaining to them that they had no written consent from me the consumer to furnish any accounts being reported to them without consent from me the consumer but instead they ignored my complaint. I received a letter back from Experian regarding this complaint that obtained language that was obscene and profane to me. They informed me that any further complaints from me were going to be completed IGNORED. Now who does Experian think they are? Experian is guilty of identity theft pursuant to 15 usc 1681 ( q ) ( 3 ) Identity theft The term identity theft means a fraud committed using the identifying information of another person. Experian has in fact been using my identifying information without my consent, I took the time to notify them of this but instead they switched it around and reported identity theft to the furnishers of these accounts to avoid liability. Experian completely ignored my direct dispute about them violating 15 usc 1681b ( 2 ) and forwarded false information to the financial institutions about my identity theft complaint and caused many of my accounts to be shut down. Experian is in violation of 15 usc 1681b ( 2 ) I never gave Experian written consent to furnish anything to my consumer report. I notified them many times before and they continue to try to play games but I am done with the games. THEY ARE NOW LIABLE PURSUANT TO 15 U.S. Code 1681o - Civil liability for negligent noncompliance.

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