Consumer complaint received 2022-02-09
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have NEW information in regards to a previous complaint. EXPERIAN continues to break the law and violate my rights as a federally protected consumer under 15 USC Chapter 41. EXPERIAN furnished an account on my credit report that I did not give them written consent to do violating 15 USC 1681b ( 2 ) - this account is also fraudulent. I sent an Affidavit of Truth and attached a XXXX Identity Theft Report. ( attached ) According to USPS tracking, the documents were received on XX/XX/2022. ( proof attached ) I gave them everything I needed to remove the XXXX XXXX account they furnished without my consent. I have called many many times and all I am being told either it's still in investigation or that they can file a another dispute. My Affidavit of Truth I sent continues to be ignored. Under the laws of Commerce, an un-rebutted Affidavit of Truth stands as truth and EXPERIAN is liable to compensate me. Moreover, every employee I talked with over the phone claimed they were educated in the FCRA, yet is not one is familiar with 15 USC 1681B ( a ) ( 2 ). They continued to deny that they have the ability to furnish anything on a report. It states explicitly in the law, " Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I am not making this up. This comes straight from the law. EXPERIAN, violated my rights by furnishing this fraudulent account without my written consent. I added the FTC Identity Theft Report to further show that the account is fraudulent, so not only did they furnish an account I never gave written consent to be furnished, they furnished an account that is fraudulent. AND pursuant to 15 USC 1681c-2, they had XXXX business days to take it off ... yet here we are about to be 30 days later. I have been sent multiple emails, against stating that they decline " my request to block the information '' I claimed identity theft for. ( proof attached ). I was just recently sent an email on XX/XX/2022 with another computer generated response that didn't make sense to my situation and it addressed a name that WASN'T EVEN MY NAME. As I also stated in my previous complaint, the FCRA further states that a credit report can not contain information solely as to transactions or experiences between the CONSUMER ( me ) and the PERSON ( XXXX XXXX ) making the report. EXPERIAN is in violating of 15 USC 1861a ( d ) ( 2 ) ( a ) ( i ). I have done everything I needed to do and I hope by sending in this second complaint with more evidence, the CFPB will hold EXPERIAN accountable for violating my rights that have caused me much XXXX, XXXX, XXXX  XXXX  XXXX  distress.

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