Consumer complaint received 2022-11-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Attn : INTENT TO FILE LAWSUIT/ Disputes Department XX/XX/XXXX XXXX XXXX XXXX XXXX consumer, and natural person, am aware of all rights that I have. My rights are protected by the congress under the FCRA ( Fair Credit Reporting Act ). The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. YOU HAVE NOT RESPONDED TO MY DISPUTES!!!!! It has been 45 days and there has been no respond via mail or email. I am planning on pursuing full legal action under 15 U.S Code sec 1681s-2 ( b ) also under the grounds of " DEFAMATION OF CHARACTER '' if accounts are not updated and deleted within 5 business days. This has ruined my life and caused me emotional and financial duress. I has also hired a consumer law protection lawyer to assist me in this matter. I will be suing under the grounds of 15 U.S Code sec 1681s-2 ( b ) reason being, Your lack of correct reporting under the FCRA.

-I am Unable To Secure A Mortgage, Auto, Or Personal Loan Due To False Credit Reporting .

-I Have Suffered Homelessness, Or Can not Secure Stable Housing Because Of False Information In Your Credit Report. 
XXXX Have Experienced Increases Or Inflated Rates On Insurance Premiums And Other Lines Of Credit Because Of Erroneous Information In Your Report. 
-I am Unable To Open New Lines Of Credit As A Result Of A False Report. 

XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX I will also be filing a complaint with the XXXX ( XXXX XXXX XXXX  ) and the CFPB ( Consumer Financial Protection Bureau ) as of Today. I have all the documented proof that you are in violations, including all certified mailing receipts. I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt vs. Gravens ( MO ) 281 SW 715, 719. I may presume that there is no proof of alleged debt, nor therefore and such debt. in fact exists.. Also under the Fair Credit Reporting Act, these disputed and fraudulent items may not appear on my credit report if they can not be supported by accurate evidence. 
-15 U.S.C. 1681 section 602 A States. I have the right to privacy.

-15 U.S.C. 1681 section 604 A Section 2- States. It also states a consumer reporting agency can not furnish an account without written instructions.

If each account listed below is not updated and or deleted. I will pursue damages of XXXX $ per account per violation. 
Keep in mind, I have opted out of all arbitration and terms that your bureau has set in place for consumers as it pertains to taking legal action. 
1. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Employers : XXXX XXXX 4. The following personal information is incorrect Account Number : Employers : XXXX XXXX XXXX  5. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX XXXX XXXX Account Number : XXXX Validate/inaccurate reported late payments. 

6. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX Account Number : XXXX Validate/inaccurate reported late payments. 

7. Identity Theft XXXX XXXX  XXXX XXXX Account Number : XXXX I am a victim of identity theft. Please remove account immediately. 

8. Identity Theft XXXX XXXX  Account Number : XXXX I am a victim of identity theft. Please remove account immediately. 

9. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX XXXX  XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report. 

10. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX Account Number : XXXX Please verify late payments. I was never late. Please provide me in writing the statement date and who you spoke with to confirm theses late payments inwriting. I will not accept a template response. I demand late payments be removed 11. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Employers : XXXX  XXXX 14. The following personal information is incorrect Account Number : Employers : XXXX XXXX XXXX 15. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 


On ( XX/XX/XXXX ), I wrote to you requesting an investigation into items that I believed were ( INACCURATE, OUTDATED OR OBSOLETE and FRAUDULENT ). To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. 

Since this is my ( FOURTH ) ) request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. 

Please see my reasons for dispute below : 1. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Employers : XXXX XXXX 4. The following personal information is incorrect Account Number : Employers : XXXX XXXX XXXX 5. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX XXXX XXXX Account Number : XXXX Validate/inaccurate reported late payments. 

6. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX Account Number : XXXX Validate/inaccurate reported late payments. 

7. Identity Theft XXXX XXXX  XXXX XXXX Account Number : XXXX I am a victim of identity theft. Please remove account immediately. 

8. Identity Theft XXXX XXXX  Account Number : XXXX I am a victim of identity theft. Please remove account immediately. 

9. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

10. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX  Account Number : XXXX Please verify late payments. I was never late. Please provide me in writing the statement date and who you spoke with to confirm theses late payments inwriting. I will not accept a template response. I demand late payments be removed 11. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Employers : XXXX  XXXX 14. The following personal information is incorrect Account Number : Employers : XXXX XXXX XXXX 15. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX of XXXX ( CFPB ) cc. State Regulatory Agency cc. Attorney GeneralOffice of my state cc. Federal Trade Commission cc. My local county Small Claims courts cc. CFPB ( Consumer Financial Protection Bureau

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