Consumer complaint received 2023-01-04
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:
( XXXX ; XXXX ; Experian ) has violated many consumer rights. Under Title 15 USC 1681 604 ( a ) ( 2 ) a consumer reporting agency CAN NOT furnish any account without my consent. ( XXXX ; XXXX ; Experian ) continues to defy my demands and report inaccurate accounts. 

( XXXX ; XXXX ; Experian ) has failed to provide me with their investigation process. Has failed to provide me with any documents and proof of validation. 

( XXXX ; XXXX ; Experian ) has also abused my privacy rights. Under Title 15 USC 1681 602 ( a ) it states I have a right to privacy and ( XXXX ; XXXX ; Experian ) continues to engage in abusing my rights. 

They have also engaged in defamation of my character. 

( XXXX ; XXXX ; Experian ) continues to list accounts in my credit report such as XXXX XXXX XXXX  opened on XX/XX/XXXX for the amount of {$710.00}. Account # XXXX ( XXXX ; XXXX ; Experian ) is in violation of FCRA section 611 part ( A ) ( 1 ) ( XXXX ; XXXX ; Experian ) also keeps reporting an account from XXXX XXXX XXXX opened XX/XX/XXXX with account XXXX. ( XXXX ; XXXX ; Experian ) continues to defraud me and defame my character. 

I never gave ( XXXX ; XXXX ; Experian ) any written instructions to furnish any of these accounts which is a violation of Title 15 USC 1681b and ( XXXX ; XXXX ; Experian ) has caused me XXXX XXXX XXXX XXXX due to their abusive and unfair practices. 

The standard for unfairness in the Dodd Frank act is that an act or practice is unfair when : ( XXXX ) it causes, or is likely to cause substantial injury to consumers And ( XXXX ; XXXX ; Experian ) has caused me emotional and financial injury. 

According to 15 USC 1681 ( a ) ( 2 ), an elaborate mechanism must be developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 

( XXXX ; XXXX ; Experian ) falsely reported information that resulted in defamation of my character. Further, ( XXXX ; XXXX ; Experian ) created a deceptive form that made the creditors and employers believe that I was in debt, though you could not prove its validity. 
If the debts were valid, ( XXXX ; XXXX ; Experian ) created a false impression that I was not able to pay the alleged debts. 

As a result, I was discriminated against and denied my right to extend credit. I also suffered emotional as well as financial hardship. Therefore, the ( XXXX ; XXXX ; Experian ) Company is liable according to 15 USC 1681o. 

I hereby put ( XXXX ; XXXX ; Experian ) on notice and would like to inform ( XXXX ; XXXX ; Experian ) that I never gave consent to this report being furnished by ( XXXX ; XXXX ; Experian ) on my behalf and I am also aware of the fact that ( XXXX ; XXXX ; Experian ) assumed a vital role. As a result, my livelihood has been adversely affected. 
There is no such law that states anything that needs to be reported to a consumer reporting agency. Therefore, ( XXXX ; XXXX ; Experian ) is liable. 
Further, pursuant to XXXX XXXX XXXX ( a ) ( XXXX ), a consumer reporting agency must exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 
( XXXX ; XXXX ; Experian ) neither exercised its responsibilities with fairness and impartiality nor protected my right to privacy. 
I request ( XXXX ; XXXX ; Experian ) to give me a piece of evidence that the information which is being reported has been properly investigated. Also, provide us with/the details of the system adopted by the ( XXXX ; XXXX ; Experian ) organization to determine whether the transaction took place or not. 
Further pursuant to 15 USC 1681 ( a ) ( b ) the ( XXXX ; XXXX ; Experian ) organization did not adopt such procedures that meet the need of commerce for consumer credit.

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