Consumer complaint received 2022-05-06
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To whom this may concern, After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks.

Account Name 1. XXXX  account Direct Violation of 15 USC 1681 Reporting incorrectly ACCOUNT NUMBER DATE OPENED LAST REPORTED DATE LAST ACTIVE AND DATE OF LAST PAYMENT WFC Account Number : XXXX I demand that any and all late payments be removed as you in clear violation of 15 U.S. Code 1681e ( b ) failure to provide maximum accuracy amongst all credit reporting agencies. Failure to comply with my demand is a violation of 15 U.S. Code 1681n- a In general 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 result of the failure or damages of not less than {$100.00} and not more than {$1000.00} or ( 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 and also violation of 15 U.S. Code 1681o Civil liability for negligent noncompliance- ( a ) IN GENERAL Any person which is negligent in failing 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 ) Any actual damages sustained by the consumer as a result of the failure ; and ( 2 ) 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. I am fully prepared to file for litigation and contact the Consumer Financial Protection Bureau, and better business bureau if you do not comply with my demand!

2. This account affected me as I went to apply for a mortgage and the account was not notated they asked me what was going on because this account was not notated. 
XXXX Account Number : XXXX I demand this account be deleted from my consumer report immediately. 15 U.S. Code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. ( 3 ) DUTY TO PROVIDE NOTICE OF DISPUTE If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. No letter or notification that this account is disputed. You are also in violation pursuant to 15 U.S. Code 1692e ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed 3. This account affected me as I went to apply for a mortgage and the account was not notated they asked me what was going on because this account was not notated. 
XXXX  Account Number : XXXX I demand this account be deleted from my consumer report immediately. XXXX XXXX XXXX XXXX Responsibilities of furnishers of information to consumer reporting agencies. ( XXXX ) DUTY TO PROVIDE NOTICE OF DISPUTE If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. No letter or notification that this account is disputed. You are also in violation pursuant to 15 U.S. Code 1692e ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed A chargeoff or collection is debt sold by the original creditor to a 3rd party. It is a violation to be reporting a balance due for this type of account if it is infact a chargeofXXXX XXXX XXXX Account Number : XXXX I demand This allege collection account be deleted as you in clear violation of 15 U.S. Code 1681e ( b ) failure to provide maximum accuracy amongst all credit reporting agencies. Failure to comply with my demand is a violation of 15 U.S. Code 1681n- a In general 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 result of the failure or damages of not less than {$100.00} and not more than {$1000.00} or ( 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 and also violation of 15 U.S. Code 1681o Civil liability for negligent noncompliance- ( a ) IN GENERAL Any person which is negligent in failing 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 ) Any actual damages sustained by the consumer as a result of the failure ; and ( 2 ) 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. I am fully prepared to file for litigation and contact the Consumer Financial Protection Bureau, and better business bureau if you do not comply with my demand! ( 1 ) Any actual damages sustained by the consumer as a result of the failure; and ( 2 ) 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. I am fully prepared to file for litigation and contact the Consumer Financial Protection Bureau, and XXXX XXXX XXXX  if you do not comply with my demand! n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
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 furnish a account without my written instructions

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