Consumer complaint received 2022-10-25
Company: Experian Information Solutions Inc.
State: TX
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:
Exclusion of liability PER THE FCA COBS 2.1.2R0 RP A firm must not, in any communication relating to designated investment business seek to : ( 1 ) exclude or restrict ; or ( 2 ) rely on any exclusion or restriction of ; any duty or liability it may have to a client under the regulatory system. 

XXXX XXXX XXXX ( 1 ) In order to comply with the client 's best interests rule, a firm should not, in any communication to a retail client relating to designated investment business : ( a ) seek to exclude or restrict ; or ( b ) rely on any exclusion or restriction of ; any duty or liability it may have to a client other than under the regulatory system, unless it is honest, fair and professional for it to do so. 

( 2 ) The general law, including the Unfair Terms Regulations ( for contracts entered into before XXXX XX/XX/XXXX ) and the XXXX, also limits the scope for a firm to exclude or restrict any duty or liability to a consumer.Complaint has plenty of specific details and i am requesting for this to also be sent to the FCA. XXXX XXXX credit was pulled by Experian on XX/XX/XXXX to participate in the credit reporting program. I have not yet received the reason for the denial and specific details are all listed below and in the attachments. 


This was the fifth complaint about the DENIAL to participate in the Data Contributor program offered by Experian. Experian refused to respond to my application for the Data Contributor program and after not responding to 4 emails, I had to call in and complain and I then received an email response the following day of a denial with no explanation.I consistently asked why was I denied as a data contributor and gave them a chance to fix if any error before this complaint and they still refused to give me a reason for denial, which also doesnt give me the opportunity to correct any issue to ever qualify for the program. The discrimination allegations were after I did my due diligence to see that all consumers that qualified for the data contributor program were 99.99 % all XXXX consumers and associates. The program requirements are public and nowhere is it indicated that if you meet all criteria that the decision is based off the discretion of the company and you can not get the reason of the denial. This is clearly a cover up to discriminate against consumers. How can a company be regulated by FCRA, CARES Act, FCA, and ECOA and deny people of a program that goes against the laws and human rights? This is unacceptable, and as you can see on my previous Consumer complaint numbers Experian never addresses the previous complaint of the consumer. I qualified for the trade program and met all criteria as similar consumers with different nationalities and have been denied because of my skin color/race and exercising my rights. I am seeking the protection from 15 USC 1691a ( 3 ), and the Civil Rights Act and This law requires both public and private businesses to provide individuals full and equal accommodations, advantages, facilities, privileges or services. I have kept all correspondence and proof of my statements because this treatment need to be publicly recognized by the consumers like me and the legal system that regulate these companies that are going against the law but are giving them right for decision making over consumers like me. Nowhere in FCRA, does it give Experian the right to determine who can or can not be a data furnisher over a consumers data. Consumer requirements is to follow the laws implemented by the above agencies. I have attached other consumers that were approved, to show you that its clear this is discrimination and retaliation. If I am not eligible, I have the right to know why I wasnt eligible so therefore correction can be made. It should not be no special or different requirements for me than any other consumer. The solution is, I want is to be approved to be a data furnisher as the XXXX consumers and their associates/ friends. Attached is my proof of a few non-financial data furnishers consumers and the only difference from me and them is the XXXX of my skin and race. The abuse of power, unfair business practices and discrimination has to stop.

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