Consumer complaint received 2022-03-18
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:
Attention XXXX XXXX, and XXXX XXXX this is a last and final contact to contact Experian in regards to this matter. I have contact yall several times to rectify this matter. Experian had violated my federal protected consumer rights on several occasions. You both are Senior Regulatory Associates in this company. XXXX XXXX I sent you a direct dispute to this matter on XX/XX/2021 and you did not respond. In accordance with with the FCRA Experian is in direct violation of the laws which govern your company. In accordance to USC 1681 and its subsections your act of willful negligence and knowing noncompliance has caused my consumer report significant damage and caused my significant financial stress. Your false reporting, acts of piracy and willful damage of my consumer report will not be tolerated. I disputed multiple inquiries on my consumer report and yall stated that they were verified information. Yet when I called and made a fraud claim directly to your fraud department all the inquiries were then removed. I also contacted each company that those inquiries came from and do you the nature of those inquiries being fraud they also requested that yall remove the inquiries. So who in your company claimed that these fraudulent inquiries were verified information? Experian is not a bureau in any manner nor are yall back by or bonded by any United States Government Agency. Yall took an assumed roll in collecting consumer information. Yall are a for profit corporation that sells consumer data for monetary compensation. Also according to USC 1681 ( b ) Permissible Purposes Of Consumer Reports. An consumer reporting agency can furnish a consumer report under the following circumstances and no other. 1. In response to the order of a court with jurisdiction to issue such an order. 2. In accordance with the written consent of a consumer to who it relates. I have Experian no written consent to furnish data on my consumer report. This is my final attempt for Experian to rectify this matter. If it is ignored again I will pursue this matter in my Federal District Court. I requested {$26000.00} in statutory damages in regards to the false inquiries that Experian willfully placed to chase damage on my consumer report. You will find the letter that was sent to XXXX XXXX attached along with the invoice that was also sent. If this manner is not rectified with monetary compensation that is owed to me in accordance with the FCRA I will again seek litigation in Federal Court again you XXXX XXXX, XXXX XXXX and Experian for willful negligence, willful noncompliance, and for your purposeful damage of my consumer reporting. I give you 10 days to rectify this matter. If I do not hear from you in regards to payment of this matter I will move forward with litigation where I will be seeking these and other damages. Again your predatory acts will not be tolerated and I will take the proper procedure against yall and this company to have the matter rectified. In accordance with the FCRA Experian is civilly liable per violation per occurrence of violation on my consumer report.

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