Consumer complaint received 2022-08-03
Company: Experian Information Solutions Inc.
State: AZ
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:
To Whom It May Concern, YOU BROKE THE LAW AND VIOLATED MY RIGHTS!

Pursuant to 15 USC 1681 ( a ) ( 1 ) - The banking system is dependent upon my consumer report being fair and accurate. After viewing my consumer report, I have come to the realization that my report was inaccurate, and this inaccurate report us unfair to me because I was never notified when this inaccurate information was furnished, and I was never notified when during your companys initial investigation that you were going to report this information.

Pursuant to 15 USC 1681 ( a ) ( 1 ) This grave error has undermined my confidence in your companys procedures, and because of this I will no longer be extending credit, and if this information is not removed, I no longer want my information reported in your companies 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 ) Your company has assumed this role. You were not given express permission by me, the consumer, or a competent court of jurisdiction. So, not only did you fail in the initial investigation of this information, but you also assumed this information was valid which is also a violation of my consumer rights.

Pursuant to 15 USC 1681 ( a ) ( 4 ) Your company did not ensure that this information is 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 this transaction ever 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 1681a ( 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 factually took place can be categorized as a transaction that took place between the consumer making the report which means it should not be included in my consumer report, and in fact is a violation of my consumer rights.

Pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( iii ) In your initial investigation I was never given the opportunity to deny this information being communicated on my consumer report. This is in fact another violation.

Pursuant to 15 USC 1681a ( B ) Any authorization of specific extension of credit of a credit card or similar device should be excluded from my consumer report. This alleged transaction that your company clearly did not investigate is categorized as a transaction that was issued from a credit card. Credit card as defined under 15 USC 1602 ( l ) ( definition attached and highlighted in Exhibit B )

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