Consumer complaint received 2023-08-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
I have researched, The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., and have found that I need, The Federal Legislation to enact and promote the accuracy, fairness, and privacy of my consumer information contained in the files of consumer reporting agencies of all three credit reporting bureau 's, has caused me to be and not limited to denied credit, housing, employment, and much more due to information found in my credit report, background check, and any kind of employment screening, to those using the information with my permission. I have a fraud alert on my file due to identity theft, my file has fraudulent errors, I am on public assistance, unemployed, and seeking XXXX. 
I ask for Outdated, Negative, and Inaccurate information to be removed within 30 days. I may be seeking to sue a consumer reporting agency and or, the person that used the consumer reporting agency that violates the FCRA, and ask for the information to be sent to me. ( 18 U.S. Code 2071 - Concealment, Removal, or Mutilation Generally ), ( 28 U.S.C. 1691 ) I have the right to sue and seek damages in a state or federal court from anyone, such as a consumer reporting agency or a user of consumer reports, who violates the Fair Credit Reporting Act. I ask for and am not limited to the Volcker Rule, Protected Access, Dodd-Frank Act financial reform law, the Financial Stability Oversight Council , SEC Office of Credit Ratings , Fair and Accurate Credit Transactions Act, and Accurate Reporting. 
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 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 XXXX XXXX XXXX - Account charged off. {$3400.00} written off. {$3500.00} past due as of XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, and as I read, Anyone who uses a credit report or another type of consumer report to deny your application for credit, insurance, or employment or to take another adverse action against you must tell you, and must give you the name, address, and phone number of the agency that provided the information. A consumer reporting agency may not give out information about you to your employer, or a potential employer, without your written consent given to the employer. As child support is voluntary ( 45 CFR 303.5 ), ( 42 U.S.C. 1983 No. 95-1441, Argued January 6, 1997 ), and I never volunteered to be placed on it, fraudulent acts have been placed on my report. As I see it, this is something that should be brought up in Color Of Law and aggravated identity theft, Title VII of the Civil Rights Act of 1964 ( Pub. L. 88-352 ) ( Title VII ), as amended, as it appears in volume 42 of the United States Code , beginning at section 2000e. Title VII prohibits employment discrimination based on race, color, religion, sex, and national origin. The Civil Rights Act of 1991 ( Pub. L. 102-166 ) ( CRA ) and the Lily Ledbetter Fair Pay Act of 2009 ( Pub. L. 111-2 ) amend several sections of Title VII. In addition, section 102 of the CRA ( which is printed elsewhere in this publication ) amends the Revised Statutes by adding a new section following section 1977 ( 42 U.S.C. 1981 ), to provide for the recovery of compensatory and punitive damages in cases of intentional violations of Title VII, the Americans with Disabilities Act of 1990, and section 501 of the Rehabilitation Act of 1973.

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