Consumer complaint received 2019-05-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
XX/XX/2019 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Ref : Complaint # XXXX against XXXX Credit Bureau Complaint # XXXX against XXXX  Credit Bureau Complaint # XXXX against Experian Credit Bureau Todate, despite my multiple requests for my Credit Report, the above agencies continue violate the law refusing to provide me with a copy of my own credit report stating they didnt have my current address ( of 5 years ) in their records. They asked for utility bills and other documentation that I do not have, to prove my XXXX XXXX XXXX XXXX, XXXX, F XXXX address. However, I have provided bank statements from 2 different banks showing my current address, as per their request, yet they continue to break the law ( see section b. below ) by repeatedly demanding that I mail them a copy of my Drivers License and denying the service they are supposed to provide, because of it. Another violation of the Law Title XXIII Florida Statue Chapter 322 a. As I stated in my original letter to them ( and you ), As per USC 15 Ch.41, III, Sec1681 ( c ) ( h ) 1. clearly states that IF there is a discrepancy in the address being reported under the consumers name, you shall notify the consumer of such when you provide them with their Credit Reportnot to deny the consumer, his/her report due to such discrepancy. The credit bureaus are violating the law and my rights. My multiple legal written Requests for my credit report, have been ignored and no one is making them comply with they law.

b. As per Florida Constitution Motor Vehicles Statue TITLE XXIII Chapter 322.Use of a driver license or identification card Section 322.143 a private institution is only allowed to swipe, the act of passing a driver license or identification card, through a DEVICE that is capable of deciphering, in an electronically readable format, the information electronically encoded in a magnetic strip or bar code on the driver license.

They do not have the right to ask me for a copy of my drivers license nor to hold and/or save my personal information contained therein. The excuse they keep repeating is to protect my privacy when in fact, they sell our information to their clients for profit and expose me to fraud by asking me to mail them a copy of my drivers license. These credit bureaus are violating many sections of the Fair Credit Reporting act and the Motor vehicles use of a driver license information Constitutional Statues,. They are PREVENTING ME from seeing what is written on my credit report, illegally placing obstacles to me repairing my credit and any and all erroneous reported information based on which I continued to be denied credit cards.

The credit bureaus malicious acts are a blatant violation of the law. Please make them mail me my credit report Attached please find pages 1 and 2 of the Florida Statues and Constitution Title XXIII Motor Vehicles Chapter 322 use of a Drivers license, as explained above, as well as the last denial letter from a bank ( PNC ). After receipt of such denial, I attempted via phone, as per Experians instructions, to request my Report. However, again they refused ; their recording demanded a copy of my drivers license, and utility bills ( dont have ).

Please help me obtain my credit report and stop these Credit Bureaus from abusing consumers rights thereby hurting us all, financially and emotionally by hindering my ability to obtain employment, and a credit card and hindering my ability to buy a Condominium. Without credit, I cant rebuild my life and this is seriously affecting my health. These credit bureaus are maliciously hurting my life and my ability to function as a productive citizen.

As per one of my banks, my credit score is XXXX. What happened to all my past excellent credit of paid off Mortgages, car loans and other loans I paid ALWAYS ON TIME? I will provide you a copy of my old Credit report to prove my past excellent credit which the 3 above credit bureaus are not reporting. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX email : XXXX XXXX

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