Consumer complaint received 2023-02-04
Company: Experian Information Solutions Inc.
State: WA
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:
To Whom It May Concern, YOU BROKE THE LAW!! 

Pursuant Title 15 USC 1681 ( a ) ( 1 ) the banking system is dependent upon my consumer report being fair, and accurate. After taking a look at my consumer report I realize that my report was an accurate, and this inaccurate report is unfair to me because I was never notified when this an accurate information was furnished, and I was never notified when during your companys initial investigation that you were going to report this information. 

Pursuing to 15 USC 1681 ( a ) ( 1 ) this grave error has undermined my confidence in your companies procedures, and as a result of this I will no longer be extending credit, and if this information is not removed I no longer want my information reported in your companys database. 

Pursuant Title 15 USC 1681 ( a ) ( 2 ) - your company is a powerless elaborate mechanism. This must help that your company has caused has ruined my reputation, and it has adversely affect my credit worthiness. 

Pursuant Title 15 USC 1681 ( a ) ( 3 ) - your company assume this role you were not given Xpress permission by me, the consumer, or a competent court of jurisdiction. So, not only did you fail when the initial investigation of this information, you also assumed this role, and assumed this information was valid. Which is a violation of my consumer rights. 

Pursuant Title 15 USC 1681 ( a ) ( 4 ) - you did not ensure that this information is accurate, and you did not exercise your boy responsibility with fairness and impartiality. You took one side of the story, and never consulted with me to find out if this transaction even took place. As a result of this my privacy was breached, and this violated my right to privacy. ( See Exhibit A ) Pursuant Title 15 USC 1681a ( d ) ( 2 ) ( A ) ( I ) - Congress makes it clear that a consumer report should NOT include transactions between the consumer and the person making the report. This alleged transaction that you are reporting, and failed to investigate, whether or not it factually took place, can be categorized as a transaction that took place between the consumer, and the person making the report. Which means it should not be included in my consumer report, and in fact is a VIOLATION of my comnsumer right. 

Pursuant Title 15 USC 1681a ( d ) ( 2 ) ( A ) ( III ) - In your initial investigation I was never given the opportunity to deny this information being communicated on my consumer report. This is in fact another violation.

Pursuant Title 15 USC 1681a ( B ) - any authorization of a specific extension of credit of a credit card or similar device should be excluded from my consumer report. Thats a legend transaction that your company clearly do not investigate is categorized as a transaction that was issued from a credit card. Credit card as defined under Title 15 USC 1602 ( I ) ( Definition attached and highlighted in Exhibit B ) Pursuant Title 15 USC 1681a ( e ) - The production of an " investigative consumer report '' involves obtaining information about a consumer 's character, reputation, personal characteristics, or lifestyle through personal interviews with their neighbors, friends, associates, or others who may have knowledge of the consumer. This information is used to form a report that provides a comprehensive understanding of the consumer. 

In order to ensure a thorough investigation is conducted, it is important to gather as much information as possible from a variety of sources. This includes obtaining full names and addresses of all individuals interviewed, as well as a detailed account of what was said during the interviews. Additionally, it is important to confirm the method used to verify the information obtained during the interviews, as this helps to ensure the accuracy and reliability of the information included in the report. 

It is also important to note that the Fair Credit Reporting Act ( FCRA ) regulates the production of consumer reports, including investigative consumer reports. The FCRA sets strict guidelines for the information that can be included in a consumer report, as well as the methods used to obtain that information. Under the FCRA, companies producing consumer reports are required to conduct a reasonable investigation and to provide consumers with a copy of the report if requested. They must also provide the consumer with information about the sources of the information included in the report. 

In conclusion, the production of an investigative consumer report requires a thorough investigation to ensure the accuracy and reliability of the information included in the report. The FCRA provides the legal framework for the production of consumer reports and helps to ensure that consumers are protected against the dissemination of inaccurate or incomplete information.

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