Consumer complaint received 2023-03-07
Company: Experian Information Solutions Inc.
State: LA
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:
Pursuant to 15 U.S. Code 1681i ( 1 ) ( A ) ( B ) ( C ) this is not another dispute or opportunity for you to reinvestigate a previous dispute. The allowable period to conduct such a reinvestigation has expired and shall not be extended by law.

Pursuant to 15 U.S. C. 1681n - Civil liability for willful noncompliance. This is a DEMAND FOR MONETARY RELIEF as prescribed by law for EXPERIAN violating the FCRA Section 607 ( b ) and 15 U.S. Code 1681e ( b ) by failure to use reasonable procedures to ensure maximum accuracy.

Firstly, and foremost, I am a consumer as defined under 15 USC 1681a ( c ). The term Consumer means an individual.

Congress passed the FCRA to ensure Fairness, Accuracy, and Privacy as it pertains to consumer credit information. 15 U.S.C. Section 1681 ( Accuracy and Fairness of Credit Reporting ) The FCRA states that the consumer credit reporting that Experian prepares and publishes affects my credit worthiness, credit standing, credit capacity, character, and my general reputation as a consumer. Therefore, it is required that all of the information that Experian compiles and publishes on my consumer report be totally accurate and complete.

15 U.S.C. Section 1681 ( a ) ( 4 ) states there is a need to ensure that consumer reporting agencies ( Experian ) exercise their Grave Responsibilities with Fairness, Impartiality, and respect for the consumers right to Privacy.

I received Experian Investigation Report # XXXX dated XXXX XXXX XXXX I review of this report revealed that Experian has violated my consumer rights as outlined above. 

Report # XXXX clearly shows that I have disputed this account ( XXXX XXXX  XXXX at least three times in the past. Each time Experian has responded Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). If this statement by Experian was truthful then why did the account information need to be UPDATED on Report # XXXX. If the information needed to be UPDATED that means it was inaccurate as I originally disputed. This is a violation, and the account should have been DELETED. 

EXPERIAN violated the FCRA Section 607 ( b ) and 15 U.S. Code 1681e ( b ) by failure to use reasonable procedures to ensure maximum accuracy. Pursuant to 15 U.S. Code 1681s2 Equifax has a duty to ensure that they are reporting accurate information. 

XXXX is also violating my right to privacy Pursuant to the FCRA 15 U.S. Code 1681, 602 ( a ). XXXX has also violated my rights Pursuant 15 to U.S. Code 1681, 604 ( a ) ( 2 ) states that a CRA can not publish or furnish an account without my written permission.

According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], the disputed information ( XXXX XXXX XXXX must be DELETED from my consumer report within 5 days of receipt of this Demand Notice. 

These violations proves that Experian is engaging in fraudulent, deceptive, and unfair business practices by violating my Consumer Rights, the FCRA, SCRA, and The Comprehensive Consumer Credit Reporting Reform Act of 2016.

Experian has failed to meet its statutory obligations and is knowingly and willfully reporting false, inaccurate, incomplete, and misleading information on my consumer report. This has resulted in damage to my reputation, character, and credit worthiness.

STATEMENT PURSUANT TO U.S. Code 1681c-2 ( a ) ( 4 ) Experian is in violation of The SCRA ( The Servicemembers Civil Relief Act ) is a law created to provide extra protections for servicemembers in the event that legal or financial transactions adversely affect their rights. On my credit file Experian has my employment listed as XXXX. Therefore, the SCRA applies to my consumer disputes. Experian is also in violation of the FCRA as I have outlined above. Experian violated the FCRA Section 607 ( b ) and 15 U.S. Code 1681e ( b ) by failure to use reasonable procedures to ensure maximum accuracy. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], the disputed information must be DELETED from my Experian consumer report within 5 days of receipt of this NOTICE.

In accordance with the FCRA and the SCRA, you are hereby demanded to DELETE the aforementioned Hard Inquires that are being ILLEGALLY reported and published to the Experian consumeXXXX report bearing the name XXXX XXXX XXXX immediately. 

Therefore, Pursuant to 15 U.S. C. 1681n - Civil liability for willful noncompliance. You are hereby commanded to ( 1 ) To DELETE the XXXX XXXX account ( 2 ) send a check in the amount of {$5000.00} payable to the order of XXXX XXXX. XXXX. 

If these demands are not met within the time prescribed by law, an immediate action will be filed against your agency, whereas if such agency does not act, they may also be liable to the consumer, and we shall seek to recover any damages. These demands are made in accordance with Federal Consumer Law.

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