Consumer complaint received 2022-04-15
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:
I am XXXX XXXX and I am making this complaint against Experian and their is no third party involved. Eperian dba Experian Information Services LLC, after looking over my credit report, I notice that you are alleging that these accounts are negative and accurate without furnishing any verifying verification of the debt or that or that you follow all laws and regulations to report According to the Fair Debt Collection Practices Act 15 U.S.CODE 1681, Your company is required by law to verify - through the original signed consumer contract, ANY and all accounts you post on credit reports to assure maximum possible accuracy, without proper verification of by your company. Anyone pay for your reporting services could fax mail or email inaccurate account. Your FAILURE to properly verify these accounts has cause me and my family problems trying to obtain goods for house hold use, and the ability to obtain a place to stay, and also the ability to get transportation to commute to work, and also causing problem in my relationship between me and my spouse stress has been major. 
I demand these accounts be updated and removed as instructed below in 3 days. 
Experian is now liable for damages of {$1000.00} per violation for Civil liability for willful noncompliance, which Experian failed to comply. Pursuant to 15 U.S.CODE 1681n any actual damages sustained by the consumer as a result of failure or damages of not less than {$100.00} and not more than {$1000.00}. 
Experian has also violated my consumer rights under the FCRA 15 U.S.C 1681 by reporting inaccurate and incomplete information on my consumer report without my directly written instructions, and consent pursuant to 15 U.S. Code 1681b ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer. I XXXX ; XXXX XXXX I never gave consent or any written instructions to XXXX to report any information on my consumer report. NO Consent is IDENTITY THEFT. 
Pursuant to 15 U.S.Code 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, ( which is my Social Security card PERSUANT to 15 U.S.Code 1602L, ) unless creditor has adopted reasonable procedures designed to ensure that each periodic statement the including information required by section 1637 of this title is mailed or delivered to the consumer not later than 21 days before due date. 
According to the Disclose to consumers 15 U.S.Code 1681g ( a ) ( 1 ) ( a ) states that if the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure ; Meaning all accounts numbers as well should be cut off or remove from file. 
Pursuant to 15 U.S.Code 1692e ( 4 ) I have a right to privacy so no personal information should be reported on my consumer report. For instance my comsumer credit transaction with creditor is not public information. 
And any Inquiries should not be reported as they are my intellectual property and show a consumer credit transaction between me and a creditor. 
I DEMAND the Accounts list below be removed. 
XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX, ACCT # XXXX XXXX XXXX  ACCT # XXXX XXXX XXXX  ACCT # XXXX XXXX  ACCT # XXXX I DEMAND THAT'S ALL THE ACCOUNTS LISTED BELOW BE UPDATE TO PAID AS AGREED AND ALL LATE PAYMENTS BE REMOVED AND NO COMMENTS BE Disclosed.

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