Consumer complaint received 2022-07-06
Company: Experian Information Solutions Inc.
State: TX
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:
AFFIDAVIT OF FACT UNITED STATES OF AMERICA ATTENTION : EXPERIAN RE : XXXX, XXXXXXXX XXXX - SSN # XXXX Email : XXXX To whom it may concern, YOU BROKE THE LAW! 

Pursuant to 15 USC 1681 ( a ) ( 1 ) - The banking system is dependent upon my consumer report being fair and accurate. After looking at my consumer report I realized that my report is inaccurate, and this inaccurate report is unfair to me because I was never notified when this inaccurate information was furnished. Also, I was never notified during your companys initial investigation that you were going to report this information. This grave error has undermined my confidence in you companys procedures, and as a result of this I will no longer be extending credit, and if this information is not removed, I no longer want my information in your companys database. 

Pursuant to 15 USC 1681 ( a ) ( 2 ) Your company is a powerless elaborate mechanism. This mishap that your company has caused has ruined my reputation, and it has adversely affected my credit worthiness. 

Pursuant to 15 USC 1681 ( a ) ( 3 ) You were not given expressed permission by me, the consumer, or a competent court of jurisdiction. So, not only did you fail in the initial investigation of this information. You were assumed this role, and assumed this information was valid. Which is a violation of my consumer rights. 

Pursuant to 15 USC 1681 ( a ) ( 4 ) You did not ensure that this information was accurate, and you did not exercise your grave responsibility with fairness and impartiality. You took one side of the story and never consulted with me to find out if these transactions even took place. As a result of this my privacy was breached, and this violated my right to privacy. ( See Exhibit A ) Pursuant to 15 USC 1681 ( a ) ( d ) ( 2 ) ( a ) ( i ) Congress makes it clear that a consumer report should NOT include transactions between the consumer and the person making the report. This alleged transaction that you are reporting and failed to investigate, whether it took place, can be categorized as a transaction that took place between the consumer and the person making the report. Which means it should not be in my consumer report and in fact is a violation of my consumer rights. 

Pursuant to 15 USC 1681 ( a ) ( d ) ( 2 ) ( a ) ( iii ) In your initial investigation, I was never given the opportunity to deny this information being communicated on my consumer report. 

Pursuant to all the facts I stated above, here are my written instructions as to what I, a consumer in fact want removed from my report immediately. 
I also DO NOT authorize any automated response or e- Oscar verification method. 



DEMAND FOR REMOVAL PURSUANT TO THE FAIR CREDIT REPORTING ACT 15 U.S. CODE 1681 1681i ALL ADDRESSES WITH THE EXCEPTION OF : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX ALL NAMES WITH THE EXCEPTION OF : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX - XX/XX/XXXX INQUIRIES : XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXXn - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  Loans : U S DEPT OF EDXXXX - XX/XX/XXXX If all the accounts listed above arent removed in 10 days as stated in 15 U.S. Code 1681i ( 1 ) ( A ) which directs you on what to do when investigating a consumers file for accuracy without the proper investigation practices Pursuant to 15 U.S. Code 1681a ( e ) which I quoted above ; I the consumer will seek remedy under 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) ( B ) ( 2 ) ( 3 ) Civil liability for willful noncompliance. 



TERMS DEFINED PURSUANT TO 15 U.S. CODE 1681a The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 

The term consumer means an individual. 

The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 

( b ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. 


The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 


The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. 



Pursuant to 28 USC 1746 ( 1 ) I declare ( or certify, verify, or state ) under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on XX/XX/XXXX. 



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