Consumer complaint received 2023-04-01
Company: Experian Information Solutions Inc.
State: MS
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 recently disputed adverse accounts on my consumer report multiple times and still nothing has been done regarding unverified accounts. Dates of disputes are as follows : XXXX XXXX. 

15 U.S.C 1681 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( XXXX ). There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

15 U.S.C. 1681 Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. 

Whereas : Experian has violated consumers rights by publication of adverse accounts on consumers report for the purpose of access for it's paid member 's without receiving explicit or written consent by the consumer from the person making the report knowing that the adverse accounts would effectively damage the consumers reputation and livelihood. 

( b ) Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title. 

603. Definitions ; rules of construction [ 15 U.S.C. 1681a ] ( 2 ) Exclusions. Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) subject to section 624, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Whereas : Experian has violated consumers rights per 15 U.S.C. 1681 ( b ) 604 and 15 U.S.C. 1681 section 602 A. States that I have a right to privacy and without the explicit and written consent of the consumer or a order from a court that would grant any authority for the publication of such adverse accounts listed herein ; Experian willingly, knowingly and intentionally violated the consumers rights to privacy of personal and financial information which also violates Identity Theft laws and Trafficking documentations laws through the selling of personal, private and financial information of the consumer for financial gain which violates subtitle A of title V of Public Law 106-102 and 15 U.S.C. 1681g ( e ) ( 9 ) ( B ) subsection 609, prohibiting the disclosure of financial information by a business entity to third parties Violation of TILA 15 U.S.Code 1666 ( b ) Billing Error 615 - 15 U.S.C. 1681m ( iii ). Violation of 15 U.S. Code 1681- Congressional findings and statement of purpose. If you are unable to provide me with a copy of the verifiable proof, you must also update and/or remove the information listed below per subsection 15 U.S.C. 1681i ( 5 ) ( A ) ( ii ) section 611 and any deleted item may not be reinserted once removed unless certifiable proof of consent by consumer was obtained per 15 U.S.C 1681i ( B ) section 611 Whereas : Experian is the cause of all adverse actions taken against the consumer per 701 ( d ) ( 6 ) of the Equal Credit Opportunity Act in the denial of consumer credit applications described under 604 ( a ) ( 3 ) ( F ) ( ii ) [ 1681b ] ; which was adverse to the interest of the consumer by Whereas : The credit score relevant to the consumer involving Experians scoring system is 30 to 40 points off from that of XXXX and XXXX. Consumer 's credit score has not elevated to that of XXXX and XXXX for the past few years which views as discrimination towards the consumer as per 15 U.S.C 1681c subsection 605 in which the adverse items reported that are in violation of 15 U.S.C 1681 ( a ) subsection 602 and 604 adversely affect the scoring system of consumer and must be accurately accredited back to consumer 's credit score. 

Whereas : the adverse accounts that have been filed in a system of records by Experian are as listed : XXXX. XXXX XXXX XXXX - XXXX XXXX. XXXX XXXX XXXX - account number XXXX XXXX. XXXX XXXXXXXX XXXX XXXX - XXXX XXXX. XXXX XXXX XXXX - XXXX XXXX. XXXX - XXXX XXXX. XXXX XXXX XXXXXXXX XXXX  - XXXX Whereas : per 625. Relation to State laws [ 15 U.S.C. 1681t ] : this title does not annul, alter, affect, or exempt any person subject to the provisions of this title from complying with the laws of any State with respect to the collection, distribution, or use of any information on consumers, or for the prevention or mitigation of identity theft, except to the extent that those laws are inconsistent with any provision of this title, and then only to the extent of the inconsistency. 

Additionally, failure to respond satisfactorily with a free copy of my report after the changes have been made will result in the above actions being taken against your company in small claim state proceedings under section 607 ( e ) ( 1 ) [ 1681e ] ) ; I will also be seeking monetary relief of ( {$1000.00} ) per violation for : XXXX ) Defamation of Character XXXX. ) Negligence victim of Emotional Distress XXXX. ) Violation of 15 U.S.C 1666 ( b ) & 15 U.S.C. 1681 and willful noncompliance [ 15 U.S.C. 1681n ( A ) ( 1 ) ( B ) ] section 616 and negligent noncompliance [ 15 U.S.C. 1681o ( 2 ) ] section 617.

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 non-monetary relief