Consumer complaint received 2022-02-28
Company: Experian Information Solutions Inc.
State: OH
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:
Numerous laws were broken under the Fair Credit Reporting Act ( FCRA ) by your company. I have suffered from advertising inaccurate, incomplete, erroneous, and misleading information that has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal and home purposes. You and your inaccurate reporting have destroyed my livelihood. You have caused my son and me, severe harm due to the negligence and inaccurate advertising on my consumer report. I am thoroughly exhausted of your XXXX. Between being a single father raising a XXXXXXXX XXXX, maintaining the household through a pandemic with inflation at an all-time high, I do NOT have the time for your XXXX. You are breaking federal law. On XX/XX/XXXX, I mailed out my first correspondence to you putting you on notice of accounts being advertised on my consumer report, I specifically asked for a method of certification, and I did not consent to Metro 2 Compliance or Automated Dispute System or an Automated reinvestigation System. After thirty ( 30 ) days of sending out my first correspondence, I did not hear anything from you, at all, it is my understanding not only is that a federal violation but pursuant to U.S Code 15 1681i, you must promptly DELETE that item of information from the file of the consumer, or MODIFY that item of information, as appropriate, based on the results. In 15 U.S. Code 1681 ( a ) ( 3 ), Congress states, Consumer reporting agencies ( YOU ) have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. So vital in fact, The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
Not only are you breaking federal law, but you are also undermining the efficiency of the banking system. Furthermore, Congress states, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with FAIRNESS, IMPARTIALITY, and a RESPECT for the consumers right to privacy.

How is this FAIR, IMPARTIAL, and RESPECTFUL to not only my privacy as a consumer but the grave responsibilities you have assumed as a Credit Reporting Agency. This is a direct violation of 15 U.S. Code 1681. Furthermore, pursuant to 15 U.S. Code 1681b ( f ) ( e ) and 15 U.S. Code 1681b ( a ) ( 2 ), I have NEVER given my written instruction to neither ( You ) nor any of the furnishers. It is my understanding you shall not advertise what is on my consumer credit report if put on notice and made aware that the information is inaccurate by a consumer, it is your moral and legal obligation, I demand you correct all details as stated in my written correspondence. The continued report of this information is a clear violation of federal law, 15 U.S. Code Subchapter III, throughout parts.

15 U.S. Code 1681a ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

During the investigative process, if conducted at all, and following my requests ; what neighbors, friends, or associates as stipulated in 15 U.S. Code 1681a ( e ) ; who did you speak to regarding the false information youre advertising on my consumer report? 

I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you will be liable for your willful non-compliance and damages caused to my livelihood and way of living due to your willful negligence. Ignorance of the law excuses no one. As transcribed in XXXX XXXX : " If a person sins and does what is forbidden in any of the LORD 's commands, even though he does not know it, he is guilty and will be held responsible. These laws have been interwoven, throughout the XXXX XXXX and the United States. See United States v. XXXX, XXXX XXXX XXXX ( XXXX ). You will be held liable for your actions. Let me remind you, no one appointed the role you currently have it was assumed. According to Congress, you are nothing more than, an elaborate mechanism that performs tasks.

Once again, within the required thirty ( 30 ) days designated by Congress under the Fair Credit Reporting Act ( FCRA ) you failed to respond, and I hereby as a consumer, DEMAND all unverified items be DELETED and MODIFIED respectively. 

I am a litigious consumer and I shall not hesitate to take legal action and sue, yes, you heard me correctly. I will sue you for infringement of my right to privacy and advertising false information on my consumer report. Advertising inaccurate, incomplete, erroneous, and misleading information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal and home purposes. You and your inaccurate reporting have destroyed my livelihood. You have caused my son and me, severe harm due to the negligence and inaccurate advertising on my consumer report. I am thoroughly exhausted of your XXXX. Between being a single father raising a XXXX XXXX, maintaining the household through a pandemic with inflation at an all-time high, I do NOT have the time for your XXXX. I will not hesitate to take legal action against you for violation of federal law 15 U.S. Code 1611, 15 U.S. Code 1681n, 15 U.S. Code 1681o among personal damages to my character.

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