Consumer complaint received 2022-01-13
Company: Experian Information Solutions Inc.
State: TX
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:
I have previously disputed and made XXXX XXXX, Experian, XXXX XXXX, XXXX aware that they are all violating my federally protected consumer rights. They are willful and complicit in the agressive violations of my rights. They are clearly non- compliant to the consumer laws I am being damaged in multiple ways. 
1. Defamation of Character ( per se ) 2. Negligent Non Compliance 3. Civil Liability 4. XXXX XXXX XXXX. Fair Credit Reporting Act 15 USC 1681violation for willful noncompliance-616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] As you can see from the documents that I have attached to this complaint the violations of rights that I advised them of was not corrected as advised. The issue is that the balance of the card is being reported the balance should report as XXXX or XXXX to be compliant. As you will notice I have made notes to experians results of the dispute that I previously made about the violations that You ( CFPB ) are now complicit in, about updates made to my Consumer Report. Which did not correct the violations which are still active on this updated Consumer Report. I will be seeking damages as advised by FCRA. 

I recently received a copy of my ( Experian, XXXX and XXXX ) consumer report, and I noticed that it is reporting my experience with its company. I advised XXXX XXXX of the violations that I noticed on my Experian, XXXX XXXX, XXXX XXXX reports. The certified w/ return receipt tracking numbers of the letter correspondence is # XXXXXXXX XXXX XXXXXXXX XXXX XXXX The lines of credit I have with XXXX XXXX, which is characterized as utilization on my consumer reports. THEIR COMPANY IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports! XXXX XXXX Credit Card XXXX XXXXXXXX XXXX XXXX  Account # XXXX XXXX XXXX Credit Card XXXX XXXX XXXX XXXX XXXX is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( XXXX XXXX ) THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( ME ) and the person ( XXXX XXXX ) Making the report is not INCLUEDED on my Consumer report! Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person ( XXXX XXXX ) 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 not included on the consumer reports! THEY HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience ( Utilization ) on my consumer reports which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. I am making this complaint for XXXX XXXX willful violations and non-compliance. Please assist in helping me get remedy for my consumer rights. Thank you in advanc

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