Consumer complaint received 2022-12-28
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a federall

y protected consumer and my rights are being violated pursuant to the FDCPA and FCRA. The fraudulent accounts need to be removed from my file immediately. I was a victim of identity theft as well. These fraudulent accounts are not being properly investigated, according to the FCRA. I am a federally protected consumer and your company have broken the law and have violated my rights pursuant to the Fair Credit Reporting Act. Pursuant to 15 usc 1681 ( a ) ( 1 ) the banking system is dependent on fair and accurate credit reporting. After taking a look at my credit report, I noticed that there are inaccurate information. The information is unfair to me because I was never notified when the information was originally furnished and I never approved for the information to be furnished. I was supposed to be notified when your company investigated this information to see if it was valid before you originally furnished it. You obviously didnt do it, that is the first violation. Pursuant to 15 usc 1681 ( a ) ( 1 ) - This grave error has undermined my confidence in your companies procedures, and as a result I will no longer be extending credit, and if the information is not removed I no longer want my information stored in your companies database. Pursuant to 15 usc 1681 ( a ) ( 2 ) - Your company is a non powerful elaborate mechanism. This mishap that your company have ruined my reputation, and have adversely damaged my credit worthiness. Pursuant to 15 usc 1681 ( a ) ( 3 ) - Your company assumed this role. You was not given permission by me, the consumer, or a competent court jurisdiction. So not only did you fail in your fist initial investigation of this information. You also assumed this role, and assumed this information was valid. Which is a violation of my rights. Pursuant to 15 usc 1681 ( a ) ( 4 ) - You did not insure that this information was accurate and you did not exercise your grave responsibility with fairness and impartiality. You took one side of the story and never consulted with me to find out if the transaction ever took place. As a result of this my privacy was breached and this violated my rights to privacy. See exhibit A. Pursuant to 15 usc 1681 ( d ) ( 2 ) ( a ) ( i ) - Congress made it clear that a consumer report should NOT include transactions between the consumer and the person making the report. This alleged transaction you are reporting and failed to investigate it it factually took place is categorized as a transaction that took place by the consumer and the person making the report. Which mean that it should not be included in my consumer report and in fact is a violation of my consumer rights. Pursuant to 15 usc 1681 ( d ) ( 2 ) ( a ) ( iii ) - In your initial investigation I was never given the opportunity to deny this information being communicated on my consumer report. This is in fact another violation. Pursuant to 15 usc 1681a ( B ) - Any authorization of a specific extension of credit of a credit card or similar device should be excluded from my credit report. This alleged transaction that your company clearly didnt investigate is categorized as a transaction that was issued from a credit card. Credit card as defined under 15 use 1602 ( l ).

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