Consumer complaint received 2023-08-15
Company: Experian Information Solutions Inc.
State: TX
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:
Whom It May Concern, I recently received a copy of my consumer report and noticed that it contains negative payment history for the following accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Your company is in clear violation of the Fair Credit Reporting Act statutes : 15 USC 1681a 2 ( A ) ( I ) EXCLUSIONS : ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 624, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Reporting information which the FCRA EXCLUDES would fall under this statute as well.

THE FCRA CLEALY DEFINES EXCLUSIONS : Transactions of Experiences between the consumer ( *603a ) and the person ( *603b ), making the report, is NOT TO BE INCLUDED in my consumer report!

Potentially negative payment history is an experience with the line of credit that was extended between the consumer ( *603a ) and the person ( *603b ) that is making the report. Congress clearly states that the reporting of transactions or experiences between the CONSUMER and the PERSON making the report is EXCLUDED from the consumer reports!

YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer report which congress clearly states is to be EXCLUDED FROM ANY CONSUMER REPORT!

You have 10 business days to update my REMOVE payment history and/or DELETE the Paid in full, ZERO balance, Closed accounts from the below items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C. 1681s ( Administrative Enforcement ) Section 621 ( C ) ( 1 ) ( B ) States that I have the right to recover monetary damages of not more than {$1000.00} for each willful or negligent violation. Failure to respond satisfactorily will result in legal action for which I will be seeking {$1000.00} per violation regarding : Defamation Negligent Non Compliance Civil Liability Mental Anguish Violation of Privacy Provide the proper address where your company prefers to receive legal notice/court summons.

******************************************************************************************************** FCRA 15USC 1681 violations for willfull non-compliance 616.

Civil liability for willfull non-compliance [ 15 USC 1681n ] **603. Definitions ; rules of construction [ 15 U.S.C. 1681a ] ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this title.

( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

( c ) The term consumer means an individual.

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