Consumer complaint received 2022-02-06
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX NOTICE TO PRINCIPAL IS NOTICE TO AGENT. NOTICE TO AGENT IS NOTICE TO PRINCIPAL. 

To whom it may concern : I recently received dispute results dated XX/XX/XXXX and XX/XX/XXXX as a result of a identity theft dispute that I opened via phone in XX/XX/XXXX. You are now owing civil liability to me for willful noncompliance 15 USC 1681n. Any person who willfully fails to comply with ANY requirements imposed under this title with respect to ANY CONSUMER ( ME ) is liable to that consumer in an amount equal to the sum of any actual damages up to {$1000.00}. You have failed to comply with several requirements under the FCRA and are now put on notice. 
I submitted a CFPB recently because I have had SO MUCH trouble getting your company to simply comply with federal requirements under the FCRA and FCDPA. However, you remain non-compliant. This is my second and final attempt outside of a court proceeding to rectify this situation. 
According to 15 USC 1681b you have no permissible purpose to report anything EVER if the consumer does not give written consent for it to be reported as I have the right to privacy. I also have the right and you have the responsibility to report only accurate information to my consumer report. You have not upheld your end of the bargain. I have notified you that I never gave consent for any of the following accounts to be opened nor reported to my consumer report and demand that they are deleted today! You do not get another 30 days of slandering my name to potential creditors. I was denied a car loan last week and it was directly related to the following items being reported as a debt on my consumer report. Even though I have a good score the fact that your company has it reported that I am in all this inaccurate debt is causing me pain, suffering and at this point I feel really harassed. 
I previously sent in a FTC report, a statement stating the accounts were a result of identity theft and needed to be blocked within 4 days, sent proof of my identity and I have openly identified the accounts as fraudulent which is all that is required by 15 USC 1681C-2. The law requires these accounts be BLOCKED from reporting and the longer you report the more indebt you become to me because I have a very litigious consumer. In fact I am using each delay and e Oscar generic response you send my way to prove to the courts that they do need to do away with CRAs all together especially the NCRAs emphasis on Experian being the most corrupt. Continuing to use my information without my permission is IDENTITY THEFT and Experian will be guilty of that if they continue to report this inaccuracy. 
I also want to point out that the investigation that Experian performed to get these results was also fraudulent. According to 15 USC 1681i you are to conduct a reasonable reinvestigation to determine whether the disputed items are accurate or not. By law an investigation requires you to interview the consumers friends, family and associates not communicate with the company and just take their word for it. Also, this agency never provided to me the information in the dispute all relevant information regarding the dispute that is received by the agency by the consumer. Neither you nor the companies in question are operating in compliance with the FCRA and if this company does not stop reporting things that I am openly and repetitively saying I do not give my consent to report then I will just have to take the company to federal court for the violations and damages. 

I demand the following accounts be BLOCKED from reporting to my consumer report indefinitely : -Acct # XXXX -Acct # XXXX -Acct # XXXX -Acct # XXXX -Acct # XXXX -Acct # XXXX -Acct # XXXX Fact, Pursuant to 15 USC 1681a-2 the term consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report. My consumer report currently contains transactions and experiences that should not be reporting to my report. The account balances, late payments, utilization rates and inquiries are a direct violation of the exclusions outlined in 15 USC 1681a-2 it is not supposed to be reported. I have the right to privacy as well. 

The Fair Credit Reporting Act 15 USC 1681 was made by congress to ensure accuracy and fairness of credit reporting. 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. 

YOU ARE IMPAIRING THE BANKING SYSTEM. COMPLY WITH THE LAW AND STOP REPORTING THE ABOVE REFERENCED ITEMS.

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