Consumer complaint received 2022-11-06
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 To whom it may concern On XX/XX/2022 I, XXXX XXXX sent out a certified letter with a return receipt to all three credit bureaus including Experian to remove items off of my consumers credit report and EXPERIAN is the only one whos failed to do so. 
I, XXXX XXXX gave EXPERIAN a little over a month to do so and they still did Not comply. 

On XXXX XXXX I, XXXX XXXX sent out another letter XXXX XXXX XXXX  that they received the next day to demand them to remove items off of my consumers credit report and they still DID NOT COMPLY! 

I have given EXPERIAN excessive amount of times to remove these items off my consumers credit report and they still decide that they want to violate the law by committing fraud and, aggravated identity theft. 

I, XXXX XXXX never gave Experian my written consent or consent at all to post anything negative to my consumers credit report. 

I have asked Experian numerous of times to send me a copy of my written consent that I instructed them to post anything to my consumers report. They have failed to do so. 

PURSUANT THE FAIR CREDIT REPORTING ACT, these disputed items must be reinvested or deleted from my credit report entirely within 30 days! Throughout the investigation period these items MUST be removed from my credit report as the reporting of the items prior to debt validation constitutes collective activity. In your INVESTIGATION RESULTS, please render the names, addresses and telephone numbers of individuals you contacted during this investigation.

It has been well over 30 days and once again EXPERIAN has not complied with anything.Experian has also violated their OWN rules.

Pursuant 15 USC 1681 ( a ) 4- Accuracy and fairness of credit reporting ( 4 ) 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.

As a consumer, EXPERIAN has not respected my rights to privacy!

Experian has received and took information from someone other than myself and posted it to my consumers credit report. Thats fraud!

Pursuant 15 USC 1681 ( a ) Permissible Purpose 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 has violated 15 USC 1681 ( a ) ( 2 ).

Nothing overpowers the law!

Experian has said theyre going to conduct an investigation.

Who are you investigating Experian? I am the only one who VALIDATES and DICTATE what goes on XXXX XXXX consumers credit report. I am the original creditor and I am the ONLY one who can extend credit!

While you are investigating and verifying information from someone other than my self ( IDENTITY THEFT ) please send me a copy of my peers, family members, friends and neighbors reports that you are investigating because : Pursuant 15 USC 1681 ( a ) ( e ) - Definitions ; rules of construction ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter.

( 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. However, such information shall not include specific factual information on a consumerscredit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from acreditor f the consumer or from the consumer. 

The information conducted in your investigation is not FACTUAL! Once again, youre committing a crime. Experian is helping third parties commit these crimes and are just as guilty as these third parties. Experian is secondary and I, XXXX XXXX am the Original creditor and the only one who extends credit! 

Regardless of what EXPERIAN comes up with, nothing overpowers the law. 
Regardless of what Experian comes up with, Experian still has violated multiple laws and are failing to comply when I have given Experian multiple chances to right their wrongs.

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