Consumer complaint received 2022-09-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
Reporting Late payment and Utilization is illegal NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO PRINCIPAL Dear XXXX XXXX CEO, Treasurer XXXX XXXX XXXX, XXXX XXXX I recently received a copy of my ( Experian, XXXX or XXXX ) consumer report, and I noticed that it is reporting my experience with XXXX XXXX 

The line of credit I have with XXXX XXXX, which is characterized as reporting balance utilization and late fee on my credit reports. XXXX XXXX IS LEGALLY REPORTING THIS XXXX  late fee and reporting balance ( utilization ) on my consumer reports! 

XXXX XXXX account # XXXX open date XXXX XXXX XXXX is in clear violation of the law. Pursuant 15 USC 1681 2 ( A ) ( i ) -EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the request ; THE LAW CLEARLY STATES : Transactions or Experiences between the consumer XXXX XXXX ( ME ) and the person XXXX XXXX Making the report is NOT INCLUDED on my Consumer report. 

Utilization reporting balance or balance and late fee is an experience with the line of credit that was extended between the consumer XXXX XXXX ( ME ) and the person XXXX XXXX ). CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 

XXXX XXXX  have violated the FCRA 15USC 1681a 2Ai by reporting this transaction or experience reporting balance or balance ( Utilization ) and late fee on my consumer reports which XXXX clearly states IS NOT included on my CONSUMER REPORTS. 

XXXX XXXX  have 10 calendar days to update late fees and reporting balance or balance utilization to 5 % or below and or delete all reporting balance Utilization and late fees from the below account/s or I demand account DELETED. 


XXXX XXXX account # XXXX open date XXXX Failure to respond satisfactorily with deletion of the reporting balance Utilization and late fees, will result in legal actions being taken against your company and XXXX XXXX, for which I will also be seeking {$100000.00} per violation for : 1. Defamation of Character 2. Negligent Non-Compliance 3. Civil Liability XXXX. XXXX XXXX XXXX. Fair Credit Reporting Act I5USC {$1600.00} violations for willful noncompliance- {$610.00}. Civil liability for willful noncompliance ( 15 U, S.C. $ 1681n ). My XXXX dollar lawsuit against XXXX XXXX XXXX for violating my rights, Case # XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I look forward to your reply and a resolution to my problem and will wait until 15 days before seeking court actions, help from a consumer protection agency, attorney general and the XXXX XXXX XXXX. Please contact me at the above address or email I consider that you will do the honorable thing in this matter. 

I agree to pay any financial obligation which I might lawfully owe, on the condition that you provide : 1. Validation of the debt- that is, the actual accounting. 
2. Verification of your claim against me. A signed invoice or sworn affidavit. 
3. A copy of the contract binding both parties ( XXXX and XXXX XXXX ). 

1. I need full Disclosure. I was not told that I was actually creating the credit.

2. Equal Consideration, XXXX brought nothing of value to the table and XXXX had nothing to lose. 
3. Law terms and conditions were based on fraud!

4. The wet ink signature of both parties. 

GIVE THIS LETTER THE IMMEDIATE ATTENTION IT DESERVES! 

CC : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX NY XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  NY, UNITED STATES, XXXX Enclosed : XXXX XXXX credit report, copy of ID and Utility Bill showing proof of address

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