Consumer complaint received 2023-02-27
Company: Experian Information Solutions Inc.
State: FL
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:
As a federally protected consumer, Im aware that Experian assumed a vital role in assembling and evaluating information pertaining to me as the consumer. Congress makes it known that I have a RIGHT TO PRIVACY as a federally protected consumer in which youve infringed upon without my lawful consent. Pursuant to 15 USC 1681, It is the purpose of the Fair Credit Reporting Act to insure that you exercise your grave responsibilities with fairness, impartiality in a manner which is FAIR AND EQUITABLE to me as the consumer! Inaccurate reporting impairs the efficiency of the banking system, weighs on my credit worthiness, and damages my character! 

Your actions does not only violate the Fair Credit Reporting Act but it also violates the Gramm Leach Bliley Act! Pursuant to 15 USC 6802, Ive NEVER gave you or your nonaffiliated 3rdparties listed in this letter any form of lawful consent to share my nonpublic personal information! Im ordering you to Cease and Desist your illegal actions! This constitutes as aggravated identity theft for knowingly and willfully using my information without my lawful consent or any lawful authority pursuant to 18 USC 1028A!

It is stated by congress in the 15 USC 1666B that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I completely understand that mistakes happen but your inaccurate information could cost me higher interest rates and I have enough expenses as is. I know that I have always paid these accounts 100 % on time as agreed. Due to the number of inaccuracies on my consumer report, I demand immediately update these account to 100 % payment history.

Pursuant to 15 USC 1681c-2, Federal Law states that no later than 4 business days after receipt of this notice, you shall block the reporting of the identified information provided. Therefore, pursuant to 15 USC 1681b ( a ) ( 2 ) in accordance with my written instructions, my demands are as followed : 1.Account- XXXX XXXX Account XXXX XXXX XXXX Date- XX/XX/XXXX Demand I demand XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to be updated to pay as agreed on my consumer report 2.Account - XXXX XXXX XXXX XXXX Account # - XXXX XXXX XX/XX/XXXX Demand I demand XX/XX/XXXX to be updated to pay as agreed on my consumer report 3. Account - XXXX XXXX Account # - XXXX Date XX/XX/XXXX Demand I demand XX/XX/XXXX, and XX/XX/XXXX to be updated to pay as agreed on my consumer report 4. Account - XXXX XXXX Account # - XXXX Date XX/XX/XXXX Demand I demand XX/XX/XXXX to be updated to pay as agreed on my consumer report *Failure to comply with my expressed demands within 4 days, You will be held civilly and criminally liable for violating the Fair Credit Reporting Act, Gramm Leach Bliley Act and Aggravated Identity Theft* Being aware that between Experian, XXXX, and XXXX my accounts are listed inaccurate and unfair treated which is a violating of congress. 15 US Code 1681 " 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. '' 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. Attached below is proof of the credit reporting agencies violating my rights and I demand these accounts get updated properly immediately before I take further actions. 

Sincerely, XXXX, XXXX /Agent/Beneficiary Without prejudice, all natural inalienable 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 explanation