Consumer complaint received 2023-08-31
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
RE : Account ( XXXX ) : XXXX, XXXX, XXXX, XXXX, XXXX RE : Notice of Intent to Sue To Whom It May Concern, This letter is to simply notify you of my intent to file a FTC Complaint with the intent to sue your company for the persistent violations of my consumer rights per the Fair Credit Reporting Act and Federal Trade Commission as well as to give you one last chance to remove this erroneous account from my credit report IMMEDIATELY. Your continued delays are inexcusable, due to your blatant disregard of the law. 
I, XXXX XXXX XXXX never gave XXXX or Experian any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute.. 
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. 

You also DO NOT have any permissible purpose to furnish my personal information to any third party. 

15 USC 1681b Permissible purpose of consumer reports 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. 

As a consumer, I am demanding a deletion of the following accounts. As of this moment, you have NOT done your duty mandated under the law. Your inaction in this matter is inexcusable, and your disregard for the law is contemptible. Rest assured, I will hold you accountable. I will resend this letter via fax and mail all my documents again along with this letter. I have not had to go this far with the other bureaus because XXXX have complied with the law and have REMOVED these accounts from my reports permanently which I also will attach to this letter. So you are also in violation of Metro-2 compliance because XXXX is the only bureau that is deciding to report this inaccurate information after it had already been deleted previously. Just for the record, the following information is being erroneously included on my consumer report, as I have advised you on several separate occasions. 

XXXX. The following account is NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts which are not metro 2 compliant should have been deleted for not following the industry standard required to maintain maximum possible accuracy. Accounts SHOULD BE BOTH 100 % ACCURATE AND COMPLETE but ARE NOT ACCURATE AND COMPLETE. This has been an utter failure to follow your reasonable procedures required by 15 U.S. Code 1681i ( 5 ) ( A ) ( i ) and ( ii ). 

XXXX. NAME OF ACCOUNT : XXXXXXXX XXXX  ACCOUNT NUMBER : XXXX PROVIDE PHYSICAL PROOF OF VERIFICATION : UNVERIFIED ACCOUNT Detail : ACCOUNT NUMBER : Experian reported XXXX, XXXX reported XXXX, XXXX reported ' XXXX " ACCOUNT TYPE : Experian reported 'Unsecured ', XXXX reported 'Unsecured ' XXXX XXXX reported ' -- " ACCOUNT DETAIL : Experian reported 'loan ', XXXX reported 'loan ', XXXX XXXX ' -- " XXXX XXXX XXXX Experian reported 'cosigner ', XXXX reported 'cosigner ', XXXX reported ' XXXX " ACCOUNT STATUS : Experian XXXX Derogatory, XXXX reported Derogatory, XXXX reported ' -- " XXXX PAYMENT : Experian XXXX {$0.00}, XXXX reported {$0.00}, XXXX reported ' -- XXXX DATE OPENED : Experian XXXX XX/XX/XXXX, XXXX reported XX/XX/XXXX, XXXX reported ' -- " BALANCE : Experian reported XXXX {$6300.00} ', XXXX reported " {$6300.00} ', XXXX reported XXXX -- " NUMBER OF MONTHS : Experian reported ' -- ', XXXX reported ' -- ', XXXX reported ' XXXX " HIGH CREDIT : Experian XXXX ' -- ', XXXX reported ' -- ', XXXX reported ' XXXX " CREDIT LIMIT : Experian XXXX ' -- ', XXXX reported ' -- ', XXXX reported ' XXXX " PAST DUE : Experian XXXX " {$6300.00} ', XXXX reported " {$6300.00} ', XXXX reported XXXX -- " PAYMENT STATUS : Experian XXXX XXXX '', XXXX reported XXXX '', XXXX reported ' -- " LAST REPORTED XXXX Experian reported XX/XX/XXXX, XXXX reported XXXX XXXX, XXXX reported ' -- " LAST ACTIVE DATE : Experian XXXX ' -- ', XXXX XXXX ' -- ', XXXX reported XXXX ' LAST PAYMENT DATE : Experian reported XXXX '', XXXX reported XXXX XXXX, XXXX reported ' -- " XXXX. NAME OF ACCOUNT : XXXX XXXX, CARE OF XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX PROVIDE PHYSICAL PROOF OF VERIFICATION : UNVERIFIED ACCOUNT Detail : ACCOUNT NUMBER : Experian reported XXXX, XXXX XXXX XXXX, XXXX XXXX ' -- " ACCOUNT TYPE : Experian reported 'debt buyer ', XXXX reported XXXX account ', XXXX reported ' XXXX " ACCOUNT DETAIL : Experian reported ' -- ', XXXX reported ' XXXX ', XXXX reported ' XXXX " XXXX XXXX : Experian reported ' -- ', XXXX reported 'indivisual XXXX, XXXX reported ' -- XXXX ACCOUNT STATUS : Experian reported --, XXXX reported in collection XXXX XXXX reported ' -- XXXX MONTHLY PAYMENT : Experian reported {$0.00}, XXXX reported {$0.00} XXXX XXXX reported ' -- XXXX DATE OPENED : Experian reported XX/XX/XXXX, XXXX reported XXXX XXXX XXXX, XXXX reported ' -- XXXX BALANCE : Experian reported " {$670.00} ', XXXX reported " {$670.00} ', XXXX reported ' -- XXXX NUMBER OF MONTHS : Experian reported ' -- ', XXXX reported ' -- XXXX, XXXX reported ' -- XXXX HIGH CREDIT : Experian reported ' -- ', XXXX reported ' -- XXXX, XXXX reported ' -- XXXX CREDIT LIMIT : Experian reported ' -- ', XXXX reported ' -- XXXX, XXXX reported ' -- XXXX PAST DUE : Experian reported " {$670.00} ', XXXX reported " {$670.00} ', XXXX reported ' -- XXXX PAYMENT STATUS : Experian reported ''Collection account '', XXXX reported ''Collection account '', XXXX reported ' -- " LAST XXXX : Experian reported XX/XX/XXXX, XXXX reported XXXX ', XXXX XXXX ' -- " LAST ACTIVE XXXX : Experian reported ' -- ', XXXX reported ' -- ', XXXX XXXX ' -- " LAST PAYMENT XXXX : Experian reported ' -- '', XXXX reported ' -- ', XXXX XXXX ' -- " XXXX. NAME OF ACCOUNT : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX PROVIDE PHYSICAL PROOF OF VERIFICATION : UNVERIFIED ACCOUNT Detail : ACCOUNT NUMBER : Experian reported XXXX, XXXX XXXX XXXX, XXXX XXXX ' -- " ACCOUNT TYPE : Experian reported 'debt buyer ', XXXX reported XXXX account ', XXXX reported ' XXXX " ACCOUNT DETAIL : Experian reported ' -- ', XXXX reported ' XXXX ', XXXX reported ' XXXX " XXXX XXXX : Experian reported ' -- ', XXXX reported 'indivisual XXXX, XXXX reported ' -- XXXX ACCOUNT STATUS : Experian reported --, XXXX reported in collection XXXX XXXX reported ' -- XXXX MONTHLY PAYMENT : Experian reported {$0.00}, XXXX reported {$0.00} XXXX XXXX reported ' -- XXXX DATE OPENED : Experian reported XX/XX/XXXX, XXXX reported XXXX XXXX XXXX, XXXX reported ' -- XXXX BALANCE : Experian reported " {$1300.00} ', XXXX reported " {$1300.00} ', XXXX reported ' -- XXXX NUMBER OF MONTHS : Experian reported ' -- ', XXXX reported ' -- XXXX, XXXX reported ' -- XXXX HIGH CREDIT : Experian reported ' -- ', XXXX reported ' -- XXXX, XXXX reported ' -- XXXX CREDIT LIMIT : Experian reported ' -- ', XXXX reported ' -- XXXX, XXXX reported ' -- XXXX PAST DUE : Experian reported " {$1300.00} ', XXXX reported " {$1300.00} ', XXXX reported ' -- XXXX PAYMENT STATUS : Experian reported ''Collection account '', XXXX reported ''Collection account '', XXXX reported ' -- " LAST XXXX : Experian reported XX/XX/XXXX, XXXX reported XXXX ', XXXX XXXX ' -- " LAST ACTIVE XXXX : Experian reported ' -- ', XXXX reported ' -- ', XXXX XXXX ' -- " LAST PAYMENT XXXX : Experian reported ' -- '', XXXX reported ' -- ', XXXX XXXX ' -- " XXXX. NAME OF ACCOUNT : XXXX XXXX, CARE OF XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX PROVIDE PHYSICAL PROOF OF VERIFICATION : UNVERIFIED ACCOUNT Detail : ACCOUNT NUMBER : Experian reported --, XXXX reported XXXX, XXXX reported XXXX -- " ACCOUNT TYPE : Experian reported ' -- ', XXXX reported 'Open Account ', XXXX reported ' XXXX " ACCOUNT DETAIL : Experian reported ' -- ', XXXX reported ' XXXX ', XXXX reported ' XXXX " XXXX XXXX : Experian reported ' -- ', XXXX reported 'Indivisual XXXX, XXXX reported ' -- XXXX ACCOUNT STATUS : Experian reported --, XXXX reported derogatory, XXXX reported ' -- XXXX MONTHLY PAYMENT : Experian reported --, XXXX reported {$0.00} XXXX XXXX reported ' -- XXXX DATE OPENED : Experian reported --, XXXX reported XXXX XXXX XXXX XXXX reported ' -- XXXX BALANCE : Experian reported ' -- ', XXXX reported " {$5300.00} ', XXXX reported ' -- XXXX NUMBER OF MONTHS : Experian reported ' -- ', XXXX reported XXXX ' XXXX XXXX reported ' -- XXXX HIGH CREDIT : Experian reported ' -- ', XXXX reported ' -- XXXX, XXXX reported ' -- XXXX CREDIT LIMIT : Experian reported ' -- ', XXXX reported ' -- XXXX, XXXX reported ' -- XXXX PAST DUE : Experian reported ' -- ', XXXX reported " {$5300.00} ', XXXX reported ' -- XXXX PAYMENT STATUS : Experian reported ' -- ', XXXX reported ''Collection account '', XXXX reported ' -- " XXXX REPORTED : Experian reported --, XXXX reported XXXX ', XXXX reported ' -- " LAST XXXX DATE : Experian reported ' -- ', XXXX reported ' -- ', XXXX reported ' -- " LAST XXXX DATE : Experian reported ' -- ', XXXX reported ' -- ', XXXX reported ' -- " XXXX XXXX NAME OF ACCOUNT : XXXX XXXX, CARE OF XXXX XXXX XXXX L.P ACCOUNT NUMBER : XXXX PROVIDE PHYSICAL PROOF OF VERIFICATION : UNVERIFIED ACCOUNT Detail : ACCOUNT NUMBER : Experian reported --, XXXX reported XXXX, XXXX reported ' -- " ACCOUNT TYPE : Experian reported ' -- ', XXXX reported 'open account ', XXXX XXXX ' -- " ACCOUNT DETAIL : Experian reported ' -- ', XXXX XXXX ' -- ', XXXX XXXX ' -- " XXXX XXXX : Experian reported ' -- ', XXXX XXXX 'indivisual ', XXXX reported XXXX -- " ACCOUNT STATUS : Experian reported --, XXXX reported XXXX collection, XXXX reported XXXX -- " MONTHLY PAYMENT : Experian reported --, XXXX reported {$0.00}, XXXX reported XXXX -- " DATE OPENED : Experian reported --, XXXX reported XXXX XXXX, XXXX reported XXXX -- " BALANCE : Experian reported ' -- ', XXXX reported XXXX {$3100.00} ', XXXX reported XXXX -- " NUMBER OF MONTHS : Experian reported ' -- ', XXXX reported XXXX -- ', XXXX reported XXXX -- " HIGH CREDIT : Experian reported ' -- ', XXXX reported XXXX {$2500.00} ', XXXX reported XXXX -- " CREDIT LIMIT : Experian reported ' -- ', XXXX reported XXXX -- ', XXXX reported XXXX -- " PAST DUE : Experian reported ' -- ', XXXX reported XXXX {$3100.00} ', XXXX reported XXXX -- " PAYMENT STATUS : Experian reported ''Collection account '', XXXX reported ''Collection account '', XXXX reported ' -- XXXX LAST REPORTED : Experian reported --, XXXX reported XXXX ', XXXX reported ' -- " XXXX ACTIVE DATE : Experian reported ' -- ', XXXX reported ' -- ' XXXX XXXX reported ' -- " XXXX PAYMENT DATE : Experian reported ' -- '', XXXX reported ' -- ' XXXX XXXX reported ' -- " XXXX. I have proof of repeated attempts to dispute and resolve this frivolous account directly with your agency over the past several months. I have copies of the several dispute letters sent to and received by you. 
2. Proof of your repeated frivolous Verified responses. I have proof from these data furnishers stating that you never contacted them to investigate.

3. Proof of your refusal to sufficiently investigate, including recorded phone calls that can be used in a court of law.

4. Proof that you have refused to forward ALL proof and documentation that I have provided to you for the data furnisher in regards to my dispute.

5. Proof of your repeated violations to continue sharing and profiting from inaccurate, incomplete, and unverifiable information about me to potential creditors.

I have all the proof that I need to take you to court and win as, by law, you are not allowed to report this information as you have been, especially for a debt that is NOT MINE. Therefore, I have every right to take you to court to seek damages for what you have put me through. However, it would be more beneficial to me to have this account removed sooner than later and thus, the reason for me giving you, literally, ONE MORE CHANCE to do the right thing and resolve this matter outside of court, saving you more than approximately {$10000.00}. 
I've counted at least XXXX violations of my rights to date and most of which, you have violated on multiple occasions so if I do pursue legal ramifications, then you will not only be looking at FINES of {$1000.00} per occurrence ( totaling $ XXXX {$20000.00} ), but you will also be looking at whatever monetary damages that the court sees fit to award me, including legal fees. 

Please do the right thing and remove these inaccurate accounts from my credit reports within the next 15 days and I will NOT move forward with my intent to sue. OR you can simply ignore this letter, as you have repeatedly done so in the past, tacking onto the repeated violations you've already made, and take this thing to court where we will settle it there. I didnt have to go this far with other consumer bureaus because they simply complied with the law and removed the inaccuracies that they were reporting. 
If I do not hear from you within the next 15 days, then I will simply check my credit report again in 15 days. And if you are still reporting inaccuracies at that time, then I will have to assume that you have chosen to ignore my requests for a resolution to this erroneous information yet, once again. 
I take my credit very seriously and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum. I await your response. Please note that this letter is being sent by both fax ( for expedition ) and certified mail ( for proof of receipt ) and, just like the previous correspondence between you and I, will be tracked and may be used against you. Your response to this letter is urgent and humbly requested within the next 15 days. 
Sincerely, 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