Consumer complaint received 2023-02-04
Company: Experian Information Solutions Inc.
State: GA
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:
I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Crediting Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under FCRA 15 U.S.C 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 

I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these charge-off accounts or provide testimony and certification that you are adhering to mandated XXXX XXXX data formatted reporting standards according to regulations. 

The FOLLOWING account allegations are either UNTRUE, UNVERIFIED, INCORRECT, INCOMPLETE, ULTIMATELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and/or standards and MUST be removed immediately, do so TODAY, even RIGHT NOW! 

Pursuant to 15 USC 1666d, Whenever a credit balance in excess of {$1.00} ( otherwise known as a POSITIVE balance ) is created in connection with a consumer credit transaction through ( XXXX ) transmittal of funds to a creditor in excess of the total balance due on an account, ( XXXX ) rebates of unearned finance charges or insurance premiums, or ( XXXX ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall - ( A ) credit the amount of the credit balance to the consumers account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than XXXX months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone number. Furthermore, Pursuant to 18 USC 8, ALL debts, public and private, are the obligation of the United States. Including, all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money. Per this law, the balance has been paid and I have created a credit balance in excess of {$1.00} using my signature. 

Pursuant to 15 USC 1666b - A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. All following collectors have not sent me, the consumer, disclosures including the information required by section 15 USC 1637 ( b ) separately from my monthly statement, that clearly and conspicuously informs me of my rights as a consumer. 

The following collectors have furnished deceptive forms to me, the consumer Pursuant to 15 USC 1692j, The following collectors have delivered via mail, monthly statements, creating the false belief in me, the consumer that a debt that has already been paid, - pursuant to 18 USC 8 is owed by me. The following collectors have purposely deceived me, the consumer into believing that I am to pay a debt that has already been paid, which means the following collectors have been paid twice since the inception of the credit card account. Pursuant to 18 USC 1961, the following collectors have committed racketeering activity by extorting money from me monthly. 


The following alleged account is listed as a charge-off with a PAST DUE BALANCE of {$1300.00} : XXXX XXXX XXXX Account XXXX XXXX Opened on XX/XX/XXXX Reason for Deletion : Not Reporting under XXXX XXXX Guidelines The following alleged account is listed as a charge-off with a PAST DUE BALANCE of {$250.00} : XXXX XXXX XXXX  XXXX Account XXXX XXXX Opened on XX/XX/XXXX Reason for Deletion : Not Reporting under XXXX XXXX Guidelines The following alleged account is listed as a charge-off with a PAST DUE BALANCE of {$8800.00} : XXXX XXXX XXXX XXXX Account # XXXX Opened on XX/XX/XXXX Reason for Deletion : Not Reporting under XXXX XXXX Guidelines The following alleged account is listed as a charge-off with a PAST DUE BALANCE of {$3900.00} : XXXX XXXX XXXX XXXX Account # XXXX Opened on XX/XX/XXXX Reason for Deletion : Not Reporting under XXXX XXXX Guidelines The following alleged account is XXXX as a charge-off with a PAST DUE BALANCE of {$9400.00} : XXXX XXXX XXXX Account # XXXX Opened on XX/XX/XXXX Reason for Deletion : Not Reporting under XXXX XXXX Guidelines The following alleged account is listed as a charge-off with a PAST DUE BALANCE of {$0.00} XXXXXXXX XXXX XXXX Account # XXXX Opened on XX/XX/XXXX Reason for Deletion : Not Reporting under XXXX XXXX Guidelines The following alleged account is listed as a charge-off with a PAST DUE BALANCE of {$0.00} XXXXXXXX XXXX XXXX Account # XXXX Opened on XX/XX/XXXX Reason for Deletion : Not Reporting under XXXX XXXX Guidelines This is a violation of the FCRA and is also in violation of requisite XXXX XXXX Compliant reporting standards. 


By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX COMPLIANCE regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant and verifiable. I demand that this item be investigated and removed from my report. I demand that the above mentioned derogatory items be permanently removed from my report. 


Sincerely, XXXX : XXXX, XXXX. 
without prejudice, ALL RIGHTS RESERVED. WITHOUT RECOURSE i.e. all Natural Alienable Rights Reserved.

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