Consumer complaint received 2023-01-25
Company: Experian Information Solutions Inc.
State: CA
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 tried to submit these complaints seperately, taking my time as not to bundle everything together. I can not beleive these companies, especially Experian are allowing this illegal activity to keep posting to my profile. They are not a bureau they are acting as such. I will not be calling anyone to dispute on the phone, like I attempted with Experian, I provided detail after detail and they would not take the wrong accounts off my reports. This is getting out of control. I have submitted all my documents and identification for proof, even notarizing my license. Remove these accounts. this is illegal and you are allowing charged off accounts with 1099cs to repost as late. 

To whom It May Concern, I am writing to dispute the charge offs that have been placed on my credit report for the following account numbers : XXXX, XXXX, XXXX, XXXX, XXXX. It is illegal to place a charge off on a report without first issuing a 1099-C to the debtor. Additionally, I have no knowledge of these accounts and did not enter into any contract with your company. I am also requesting that you remove and suppress any negative information and inquiries that are not attached to any accounts on my credit report. Furthermore, I am requesting that you update my credit report to accurately reflect across all credit bureaus. I am also requesting that you investigate how hard it is to get to your online account unless you are paying like Experian. I am sick of having to pay to see my own so-called data. My name is XXXX XXXX XXXX, my address is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX, and my phone number is XXXX XXXX XXXX. Please address this matter as soon as possible. Thank you, XXXX XXXX XXXX To Whom It May Concern, I am writing to dispute the information that is being reported on my [ Experian, XXXX or XXXX ] consumer report regarding my experience with your company. Specifically, the utilization on my credit line with your company is being reported illegally. As stated in 15 USC 1681a 2 ( A ) ( i ), " the term 'consumer report ' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report. '' Therefore, the utilization on my credit line, which is a transaction or experience between myself and your company, should not be included on my consumer report. I demand that you update my utilization to 5 % or below, or delete all utilization information from the following account ( s ) : 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 Please be aware that failure to respond satisfactorily and delete the above utilization information may result in legal action against your company for defamation of character, negligent noncompliance, civil liability, mental anguish, and Fair Credit Reporting Act violations. I will also be seeking {$1000.00} per violation. I kindly ask you to take immediate action to correct this issue. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Whom It May Concern : I recently received a copy of my ( Experian, XXXX or XXXX ) consumer report, and I noticed that it is reporting my experience with your company. The line of credit I have with your company, which is characterized as utilization on my consumer reports. 
YOUR COMPANY IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports! List Name of the accounts with high Utilizations along with their account numbers. Your company 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 ; THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( ME ) and the person ( YOU ) Making the report is not INCLUDED on my Consumer report! Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person ( YOU 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! 
YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience CONSUMER REPORTS. You have 10 calendar days to update my utilization to 5 % or below and or delete all Utilization from the below account/s 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  Failure to respond satisfactorily with deletion of the above Utilization, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character 2. Negligent Non Compliance 3. Civil Liability 4. Mental Anguish 5. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

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