Consumer complaint received 2022-05-18
Company: Experian Information Solutions Inc.
State: GA
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:
Date : XX/XX/2022 at XXXX XXXX  XXXX To : XXXX Cc : XXXX Subject : Consumer Report Violations ( XXXX XXXX ) Opportunity to Cure XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/2022 XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX RE : Consumer Report Violations Opportunity to Cure Hello XXXX, I am hoping you can assist in resolving this issue for me the consumer as I have been fighting with your disputing department for almost 2 years. I have recently received my consumer report and noticed violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). The law clearly states the following 15 USC 1681b ( a ) In general Subject to subsection ( c ), 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.

Meaning, that if you do not have or have not received any written instructions from me ( THE CONSUMER ) to furnish an account on my report. It should not be there. That is a violation. I never gave written instructions to furnish any of the following accounts. 
Secondly according to the 15 USC 1681. The law clearly states.

1. Accuracy and fairness of credit reporting. Congress makes the following findings : 2. 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.

( 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.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner that is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

The following accounts are inaccurate and are in clear violation of my privacy. Which is a violation of the law. This is embarrassing and damaging to my reputation as a consumer. This has affected my well-being and mental state and given me great stress, and XXXX. As the consumer I demand the following accounts be DELETED from my credit report immediately. 
1. Account Name : XXXX XXXXXXXX XXXX XXXX  XXXX Docket Number : XXXX and all associated accounts with ( Discharged in Bankruptcy ) 2. XXXX XXXX  Account number XXXX .... 
3. XXXX XXXX XXXX Account number XXXX .... 
4. XXXX Account number XXXX .... 
5. XXXX XXXX Account number XXXX .... 
6XXXX XXXX XXXX XXXX Account number XXXX .... 
7. XXXX XXXX XXXX Account number XXXX I DID NOT GIVE ANY WRITTEN INSTRUCTIONS TO HAVE ANY OF THESE ACCOUNTS ON MY CONSUMER REPORT. 

I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

15USC 1681 ( a ) ( 4 ) A consumer has the right to Privacy- 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.

You are in Federal Violation of my rights, as a federally protected consumer who has the right to privacy.

In addition, I demand to have a copy of my updated consumer report once the following changes have been made. 

Sincerely, XXXX, XXXX XXXX*Enclosed ID, Affidavit and to XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Report no BK reporting, XXXX email advising removal of Bankruptcy**

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