Consumer complaint received 2021-04-26
Company: Experian Information Solutions Inc.
State: GA
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:
XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Ga XXXX Date of Mailing : XX/XX/XXXX Experian XXXX. XXXX  XXXX XXXX, TX XXXX Re : Unauthorized inquiry to my consumer report ; demand for {$1000.00} settlement per inquiry that is found not validated under 15 U.S. Code 1692g - Validation of debts and under lawful definition of Verification which is A formal declaration made in the presence of an authorized officer, such as a notary public, under oath, or upon the penalty of perjury. 


To Experian : You are in violation of the Fair Credit Reporting Act ( FCRA ). 15 U.S. Code 1681 - Congressional findings and statement of purpose under the Fair Credit Reporting Act ( FCRA ). ( a ) ACCURACY AND FAIRNESS OF CREDIT REPORTING. For unlawfully obtaining information alleged to be mine onto my Consumer report on [ date ] without my authorization or A permissible purpose under the FCRA. See 15 U.S.C 1681b - Permissible purposes of consumer reports. ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Specifically, the FCRA provides A person shall not use or obtain a consumer report for any purpose Unless- ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; and ( 2 ) the purpose is certified in accordance with section 1681e of this title by a prospective user of the report Through a general or specific certification. I have not initiated any transaction with [ Any of the furnished companies/entities on my consumer report ]. Further, I do not have an account as defined under 15 U.S.C 1693a ( 2 ) with [ Any of the furnished companies/entities on my consumer report ] For review or collection.

Furthermore, under the FCRA. Any person who knowingly and willfully obtains information on a consumer report Without permissible purpose, you are liable to me for ( 1 ) actual damages or statutory damages up to {$1000.00}.

( 2 ) punitive damages, and ( 3 ) costs of litigation together with attorneys fees. 15 U.S.C 1681m ( a ). Also, any laws under the FCRA that Experian fails to follow is a violation and can be compensated for according to 15 U.S Code 1692k Civil Liability. According to my consumer report from Experian, I find several violations on my consume report and upon my consumer rights. Because of the findings of these violations within my consumer report from Experian. I Demand deletion of all furnishings from my consumer report. As they are violations upon my consumers right to privacy as referenced to in 15 U.S. Code 1681 - Congressional findings and statement of purpose. Also, according to 15 U.S.C 1681b - Permissible purposes of consumer reports. I Malique Gallon the Consumer never gave Experian any written instruction to furnish anything on my consumer report, no consent is identity Theft. If XXXX feels that the alleged furnishings are indeed accurate. I request Validation and Verification of all alleged furnishings on my consumer report from Experian. The validation of these furnishings must follow in accordance with the provisions of 15 U.S. Code 1692g - Validation of debts ( a ) NOTICE OF DEBT ; CONTENTS Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. ( c ) ADMISSION OF LIABILITY- The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. My request for validation and verification of the alleged furnishings from Experian should not only follow in accordance with the provisions of 15 U.S. Code 1692g - Validation of debts. But also, under lawful definition of Verification. That definition of Verification is A formal declaration made in the presence of an authorized officer, such as a notary public, under oath, or upon the penalty of perjury. A response from an " office executive '' in an Affidavit of Truth under the penalty of perjury validating and verifying all furnishings on my consumer report from Experian will suffice. If these alleged furnishings that have been furnished on my consumer report can not be validated and verified in accordance with 15 U.S. Code 1692g - Validation of debts, and in declaration under oath or upon the penalty of perjury in an Affidavit of Truth. Again, I Demand Deletion and Removal of all furnishings from my consumer report as it would be proven that the furnishings are indeed inaccurate and incorrect.

For the sake of the judicial economy, I am willing to settle this matter without any admitted liability.

I offer full and final settlement of this issue if you comply with the following demands upon you : ( 1 ) cease and desist furnishing alleged injuries from companies and entities I am assumed to have any dealings with.

( 2 ) pay me {$1000.00} for Every Deleted Furnishing and deliver it to my address above within 14 days of receiving this demand. 

Please advise that I am prepared to litigate this matter if you do not comply with this demand. 
Upon timely receipt of the {$1000.00} payment, this letter shall be a general release of all claims herein. 

Sincerely, SSN : XXXX Date Of Birth : XX/XX/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