Consumer complaint received 2022-05-02
Company: Experian Information Solutions Inc.
State: MO
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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX, a federally protected consumer, and I am making this complaint against Experian. I have sent multiple letters and proof that these XXXX accounts should be removed from my Consumer Report immediately because of their Direct Violations of Consumer Laws and continue to ignore them. These XXXX accounts must be deleted and removed from my credit report because they have been deleted and removed from my credit report from XXXX and XXXX because of FRAUD and Direct Violations of Consumer Laws. They are subject to Direct Violation since they are ignoring that I am providing proof of inaccuracies, they can't refuse to correct the information. This is Pursuant to FCRA Section 623 and Cushman v. Transunion Corporation US Court of Appeals for the Third Circuit Court Case XXXX XXXX XXXX XXXX XX/XX/1997, Filed ( XXXX XXXX ). Experian is in Direct violation of 15 USC 1681 ( B ) ( 2 ) subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with written instructions of the consumer to whom it relates. I, XXXX XXXX XXXX never gave nor granted anyone or any Consumer Reporting Agency consent/permission to furnish the report. Sharing anyones personal information such Name, Social Security Number, Address, Birthday, and etc is IDENTITY THEFT. This is an identity theft pursuant to 15 USC 1682 ( 3 ). I understand Pursuant to 15 USC 1681 ( c ) ( 1 ) that they have the authority to decline or rescind but the information that I provided to them was not blocked in error. The information that I requested to them was in an Affidavit of Fact so there was not any material misrepresentation of the fact that was completed. If they believed I attained any goods or services. I requested to have a senior level executive to put it on an Affidavit signed under penalties and perjury and notarized. As a result, I never received a Rebuttal in Affidavit Form to my request. When you send and Affidavit by law they must send rebuttal back in Affidavit but Experian never sent an Affidavit back they only sent letter saying account verified and that's not what was demanded. Since Experian committed Identity Theft, they were to block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. Pursuant to 15 USC 1681C-2 you must block any information I deem as IDENTITY THEFT upon 4 days of receiving it. This must be deleted not investigated Pursuant to Consumer Rights under 15 CHAPTER 41. They failed to do so when I sent a letter with 4 accounts resulting in identity theft, they only deleted and removed the other XXXX accounts but left these XXXX accounts on my Consumer Reports. Experian is in Direct Violation Pursuant to 1681b ( e ) ( 6 ) - All CRAs must work together and be joined. ALL consumer reporting agencies on a nationwide basis must maintain a joint notification system. This subsection was enacted to maintain maximum possible accuracy amongst consumer reporting agencies. These XXXX accounts on my consumer report does not match other consumer reporting agencies and I provided proof, which means XXXX has failed to maintain reasonable procedures to keep a joint notification system and is in violation of 15 U.S.Code 1681b ( e ) ( 6 ). These XXXX charge offs accounts, XXXX and XXXX must be removed. Also, this is Fraud because the XXXX XXXX  Companies are trying to get paid on an account that was written off and paid. Which makes this a canceled debt and when that happens its income for me to file the 1099-C on my taxes. So since its income but they are reporting it as debt that is fraud. The lender according to the IRS must file Form 1099-C and send me a copy if the amount of debt is {$600.00} or more. As a result, this is another direct violation of 15 USC 1681s-2 ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and Your prompt attention and response are both requested and required.

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