Consumer complaint received 2022-08-14
Company: Experian Information Solutions Inc.
State: AR
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:
Affidavit of Truth Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Credit reporting Act noticed accuracy and fairness of credit reporting. Fact, the Fair Credit Reporting Act states that the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Fact, the Fair Credit Reporting Act states consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. Fact, the Fair Credit Reporting Act noticed an elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. Fact, the Fair Credit Reporting Act is states 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. Fact, the Fair Credit Reporting Act states consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, the Fair Credit Reporting Act Section 15 USC 1681n states any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than { {$100.00} } and not more than { {$1000.00} } ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or { {$1000.00} }, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Notice, it is a fact, affiant is aware, this unauthorized inquires which allowed third parties to obtain my consumer report under false pretenses has brought damage to my consumer report and reputation in the amount of { {$1000.00} } dollars per inquiry and EXPERIAN is violation of XXXX U.S. Code 1681n ( a ) ( 1 ) ( A ) and is liable for each unauthorized inquiry. Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. I do not consent to these proceedings. I do not require subrogation of the bond to settle the charge. I did not consent to, authorize nor benefit from any of the following inquiries. XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, and any soft pulls. 

I filed a complaint # XXXX on XXXX XXXX with the CFPB. I DEMANDED the negatives accounts to be removed from my CONSUMER reports, an investigation, and an audit trail. I received emails that their investigation was done. I didn't received any contracts, receipts, or whom they talked to update and verify these negative accounts without my CONSENT. They're supposed to talk to me, my neighbors, family, and etc. during their investigation. I'm attaching said items to this complaint. I know they didn't do a proper investigation when Account name XXXX XXXXXXXX and Account # XXXX and XXXX XXXX and Account # XXXX are the same thing with different names reporting an open charge off and a collection. They deleted XXXX XXXX XXXX Account XXXX, Account name XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  Account Number XXXX and Account number XXXX. 
I want all my personal information updated, I only go by the name XXXX XXXX no other variation, and my only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arkansas XXXX. Delete any other names or addresses that's reporting on my CONSUMER report. 

15 USC the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. And ALL credit transactions originate FROM ME THE CONSUMER my signature, my social security number MY INSTRUMENT " I EXTEND CREDIT '' and it is my right to operate in commerce. 
EXPERIAN is damaging my credit worthiness, tarnishing my name by furnishing negative information a " late payment '' on my consumer report which is " false misleading representation 15 USC 1692E A furnisher may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. 

FEDERAL LAW SUPERCEDES there " company policy ''. I'm just trying to make it clear that I have strong reason to believe there is some Violations occurring. 

If EXPERIAN can not provide to me a copy of when I sent a written permissible purpose to validate these inquiries, I demand they be deleted IN 4 DAYS.Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for { XXXX } pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of { {$90000.00} } within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than { {$60000.00} }. Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX ARKANSAS XXXX. 

I've attached an invoice to this complaint and other EXHIBITS.

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