Consumer complaint received 2022-09-27
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I XXXX, XXXX, a consumer have recently received a copy of my consumer report dated XX/XX/2022. And upon review I am frustrated to have found so many inaccurate accounts being furnished in error. I am aware that nothing under the Fair Credit Reporting Act REQUIRES a financial institution to furnish negative information to a consumer reporting agency. I DID NOT and I DO NOT consent to any negative information being disclosed to nonaffiliated third parties without my lawful authority. EXPERIAN has allowed furnishers to furnish inaccurate information without notifying the me Pursuant 623 ( A ) ( 7 ) 15 USC 1681s-2 VIOLATIONS-This is a notice informing EXPERIAN that your are violating federal laws because the data furnishers failed to send a written notice prior to or within 30 days after reporting negative information about a consumer. The data furnisher has reported charged off accounts, collections, and late payments to my credit report without sending me a written notice as required by federal law section 623 ( a ) ( 7 ) ; 15 USC 1681s-2 ( a ) ( 7 ) ; 12CFR 1022.1 ( b ) ( 2 ) ( ii ). I am aware that late payments pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) information solely as to transactions or experiences between the consumer and the person making the report should be EXCLUDED from a consumer report. EXPERIAN has no authority to furnish this information. EXPERIAN the Federal Trade Commission will hold you liable for this noncompliance of the law. EXPERIAN its your responsibility to make that data furnishers notify their customers when they report negative information about them to a consumer reporting agency. I have not received a written notice in mail from the data furnishers who reported the negative accounts that clearly states they were going to report my delinquent account information to credit bureau. 
EXPERIAN it is evident that you do not have a copy of these written notices in my profile from the data furnisher to prove that they are complying with the law. EXPERIAN Im requesting that you delete the charged off accounts, collections, and all payments from credit report because my consumer my rights have been violated. Also, Im requesting that you block the data furnishers from reporting late payments to my credit payments to my credit for consistently reporting negative inaccurate information and neglecting to notify me in writing of their actions. EXPERIAN if you decide not to delete the charged off accounts, collections, and late payments from my credit report I will notify the Federal Trade Commission of your involvement of noncompliance of federal law and seek legal action against your agency for violating my consumer rights under Section 623 ( a ) ( 7 ) :15 USC 1681s-2 ( a ) ( 7 ) ; 12 CFR 1022.1 ( b ) ( 2 ) ( ii ). 
Section 623 ( a ) ( 7 ) requires a financial institution to provide consumers with a notice either before it provides negative information to a nationwide consumer reporting agency, or within 30 days after reporting the negative information. 
Negative information- for these purposes, negative information means any information concerning a consumers delinquencies, late payments, insolvency or any form of default. 
Under the Fair Credit Reporting Act, Congress states that the consumer reports need to be fair and equitable to me. What EXPERIAN has been reporting is false and misleading considering the fraud that has taken place as well as aggravated identity theft. 
All accounts listed and the consumer reporting agencies involved have used my nonpublic personal information without my lawful authority to bring harm to me and my financial reputation. EXPERIAN along with the help of the financial institutions are knowingly and willingly committing aggravated identity theft to collect on an extension of credit and punish me for non-payment thereof. This is a violation of 18 U.S. Code 1028A and 18 U.S. Code 894 and everyone involved shall be held criminally liable for engaging in racketeering activity. 
Per Congress, There is need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for consumers right to privacy. EXPERIAN acted impartially towards me because they furnished inaccurate information, defaming my character and reputation, with no proof. 
EXPERIAN and its affiliated officials has severe stress and anxiety due to these abusive and unfair practices.

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