Consumer complaint received 2023-05-13
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XX/XX/2023 Experian, Inc. XXXX : I attached to copies of id, and utlity bills to prove my address Reporting 3 late payments on XXXX XXXXXXXX 30 days late - XXXX XXXX 30 days late - XXXX XXXX 30 days late - XX/XX/2023 Addresses never belong to me : XXXX XXXXXXXX XXXX XXXXXXXX XXXX GA XXXX and XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Inquiry : 15 USC 6803 in it ( written verification to access my credit ) and they came back saying its valid and they cant get it off unless they get an error letter from the Bank I sent another letter explaining other violations they did like 15 USC 1602p ( unauthorized use of CC ) and 15 USC 1691 ( discriminated against because i in good faith exercised my rights ) and an invoice to them explaining the laws they violated XXXX XXXX XXXXXXXX There is no permissable purpuse and reached out to XXXX XXXX XXXXXXXX and they can give me any information. 

Duplicating XXXX inquiries : their should only be 1 XXXX inquiry and that is on XX/XX/XXXX XXXX ( duplicate ) XXXX dated XXXX XXXX ( duplicate ) XXXX dated XXXX XXXX XXXX is telling me they only ran my credit 1 time but yet credit bureau has a total of 3 times Experian , Inc continues to report transactions, experiences, and approvals of extension of credit and directly or indirectly by the credit card issuer or a similar device. This is a direct violation of 15 U.S.C. 1681 a ( d ) ( 2 ) ( B ). Pursuant to 15 U.S.C. any card, plate, coupon, book, or other credit device existing for the purpose of obtaining money, property, labor or services on credit.

Pursuant to 15 U.S.C. 1681 ( a ) ( 1 ) ( A ) when a consumer makes their disputes known to the credit reporting agency in reference to errors found within their credit file a " REINVESTIGATION '' is to take place. I want to make note Congress states the dispute is to be " REINVESTIGATED '' meaning there is to be an initial investigation of this information to ensure it is properly, thoroughly and accurately investigated before ever being reported in my consumer file.

Experian , Inc has and continues to violate my rights, tarnish my name and gravely injure me, shattering my complete and utter confidence in the credit reporting agency. 

This extreme, unwarranted invasion of privacy has caused me an abundance of embarrassment, mental anguish and mental stress and an infinite number of restless, sleepless nights knowing my privacy was not being protected, but instead willingly passed around inaccurately without care, remorse, or consent. 

The false, inaccurate, uninvestigated, erroneous, reporting willfully and intentionally done by Experian , Inc Experian , Inc has caused me dishonor, disgrace, and has even been a burden upon my health by speaking such vulgarity to me and against me tarnishing my reputation and my name. 

This letter of intent to sue Experian shall serve as a formal notice that XXXX XXXX intends to commence a lawsuit against you! 

Subject : Notice of Intent to Commence Lawsuit for Violations of Fair Credit Reporting Act Dear CEO XXXX XXXX, My name is, XXXX XXXX, writing this letter to notify Experian , Inc. of my intent to commence legal action against your company for multiple violations of the Fair Credit Reporting Act ( FCRA ). As a Credit Consumer Lawyer, I have carefully reviewed XXXX XXXX 's credit report and the relevant provisions of the FCRA, and we have identified several violations committed by Experian , Inc. 

Violation of 15 U.S.C. 1681 ( a ) ( 4 ) : Experian , Inc. has demonstrated partiality in its reporting practices by failing to contact XXXX XXXX for validity, accuracy, or consent regarding the information contained in his credit report. This is a direct violation of the FCRA, which requires credit reporting agencies to conduct investigations and ensure maximum accuracy before reporting consumer information. 

Violation of 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ) : The listings in my credit file are not only inaccurate but are also directly excluded from reporting by Congress. Every account listed within his credit file is solely the result of a consumer and the reporting corporation. Congress explicitly states that exceptions should not be included in a consumer 's credit report, making Experian , Inc. 's actions a violation of the FCRA.

Violation of 15 U.S.C. 1681a ( d ) ( 2 ) ( B ) : Experian , Inc. continues to report transactions, experiences, and approvals of credit extensions directly or indirectly by the credit card issuer or a similar device. This violates 15 U.S.C. 1681a ( d ) ( 2 ) ( B ), which stipulates that any card, plate, coupon, book, or credit device existing for obtaining credit should not be reported.

Furthermore, pursuant to 15 U.S.C. 1681 ( a ) ( 1 ) ( A ), when a consumer makes a dispute known to a credit reporting agency regarding errors in their credit file, a " REINVESTIGATION '' is to take place. Congress emphasizes that the dispute should be thoroughly and accurately investigated before being reported in the consumer file. Experian , Inc. has failed to comply with this requirement, further contributing to the violations of XXXX XXXX rights under the FCRA.

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