Consumer complaint received 2022-11-03
Company: Experian Information Solutions Inc.
State: MI
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:
Experian is Not complying with my consumers right request. Still in violation. 
EXPERIAN has not and NEVER HAD permissible purpose to post anything to my consumers credit report. Violation of 15 USC 1681b. 
Experian is taking information from a third party other than myself! No consent is identity theft! 
Not having permissible purpose, fraud & aggravated identity theft, identity theft is all a violation of the USC CODES! 

EXPERIAN has said that they dont know what Im requesting when I have written them a letter explaining my DEMANDS! 

Experian is already secondary! 
I did not give EXPERIAN PERMISSIBLE PURPOSE thats the first violation! 

15 USC 1681b Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 


EXPERIAN, I did not give you my written permission to post anything to my consumers credit report! Please send me a COPY of my handwritten letter authorizing you to post anything to my consumers credit report. You can send it to me via email XXXX XXXXXXXX or via mail on the address on file. I would love a copy of my handwritten letter and not of anything that a third party issued you! 

EXPERIAN has took information from a third party like XXXX XXXX and posted negative information to my consumers credit report which has cause my score to drop tremendously. Thats inaccurate and identity theft and FRAUD! 

EXPERIAN is resisting to comply with my demands! 
EXPERIAN has also posted hard inquiries to my consumers credit report. 
For every hard inquiry and to every company liable, each hard inquiry is {$1000.00} each. 
EXPERIAN has posted two hard inquiries from XXXX XXXX XXXX third party ) without my consent. 


15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

EXPERIAN is yet again in violation of 15 USC 1681n! 
An invoice will be sent regarding both inquiries that EXPERIAN posted to me consumers credit report in which they are helping XXXX commit these crimes. EXPERIAN, I will give you 1 month to pay me for these inquiries that you owe me and to remove both inquiries from XXXX XXXX!

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