Consumer complaint received 2022-12-17
Company: Experian Information Solutions Inc.
State: IL
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Birthdate:XX/XX/XXXX SSN : XXXX I am distressed that the included information below in my credit profile shows that the credit bureaus have failed to maintain reasonable procedures in operations to assure the maximum possible accuracy in the published credit reports. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to ensure the information reported is accurate and correct. Im a natural person my name is XXXX XXXX and the credit bureaus have violated my rights. Ive also sent out prior dispute letters to resolve any issues. 
Refer to 18 U.S. Code 242- Deprivation of Rights under color of law. Also, refer to U.S. Code 241- Conspiracy against rights, your company, and the creditor equals XXXX or more persons conspiring against my rights and privileges secured to me by the U.S. Constitution.

15 U.S.C 1681 section 602 A, States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not famish an account without my written instructions. 

RE : Your agency Violated my rights to privacy. Previous Letter I gave you a chance to delete this item. Now this is my last attempt before I take legal action. The law you are violating is here. The civil liability law which I will sue under is here. 
Under 15 USC 1611, THIS REPORTING AGENCY is criminally liable. NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617. YOUR REGISTERED AGENT IS SERVED NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA 15 U.S. CODE 1681n Civil Liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability.

You have no legal standing against me Pursuant to 15 U.S. Code 1692i ( b ) ( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors. 
I will be filling for a default judgment and entering a class action for violation, stress, and mental anguish, and at least 1 % of the company under TILA 1640 or any other damages under 1692k This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

Under 15 USC 1611, Experian is criminally liable 15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting. Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
Failure to Comply, please delete these items 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter concerning any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) ( 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}. 
15 U.S. Code 1681o Civil liability for negligent noncompliance- ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter concerning any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) any actual damages sustained by the consumer as a result of the failure; and ( XXXX ) 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. 
Under 15 US Code 1681a ( 4 ) as a consumer, I have the right to privacy and this bankruptcy must be deleted from my consumer report or I will seek monetary damages in small claims court in my city and state. Also, I already sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 
Under the 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation ; it was reported without valid evidence. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), this account violates not reporting 100 % accurately it lists the bankruptcy court as the furnisher thats a forgery and misleading when the courts dont report this type of account. Under 15 U.S. Code 1681b Permissible purposes of consumer reports, I never gave you any written consent to report anything on my consumer reports no consent is identity theft. 
XXXX XXXX XXXX IL XXXX Bankruptcy XXXX XXXX-discharged Account Number : XXXX Please remove this inaccurate account seeking litigation. 
XXXX XXXX XXXX IL XXXX Bankruptcy XXXX XXXX-dismissed Account Number : XXXX Please remove this inaccurate account seeking litigation. 

These agencies violate 15 U.S.C. 1692G. They were to notify me of this in writing XXXX days prior, but I was not. As the original creditor, only I can validate this Debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Your Registered Agent also received it. Notice of Pending Litigation and Notice of Default with an opportunity to cure. 
Failure to respond satisfactorily within 15 days of receipt of this complaint may result in a small claims action against your company, seeking {$5000.00} per violation for : XXXX. ) Defamation XXXX. ) Negligent Enablement of Identity Fraud XXXX. ) Violations of the Fair Credit Reporting Act XXXX. ) Financial Injury XXXX. ) PENALTY OF PERJURY XXXX. ) Violations of 15 U.S.C 1692g XXXX. ) 15 U.S.C 1692a abusive practices XXXX. ) 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX. ) 15 U.S. code 1681 4A B2 Misleading False Reporting Sincerely, XXXX XXXX

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