Consumer complaint received 2023-03-26
Company: Experian Information Solutions Inc.
State: IL
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:
Dear Sir/Madam, I am writing to make a formal complaint about the items on my credit report that the consumer reporting agencies are reporting, which are in violation of my rights and the Fair Credit Reporting Act. As a natural person and a living human being, I have rights under 15 USC 1681, which the consumer reporting agencies are governed by.

I demand that the accounts listed below be deleted from my credit report immediately in accordance with the Fair Credit Reporting Act, as they have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I did not give the consumer reporting agencies permission to furnish these accounts : 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 15 U.S.C 1681 section 602 A , I have the right to privacy. Furthermore, 15 U.S.C 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. Additionally, 15 U.S.C 1681c. ( a ) ( 5 ) Section States that no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) states that a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Moreover, the Consumer Reporting Agencies have violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor didnt notify me 21 days before with a statement, so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didnt pay and was marked late because this clearly a billing error. The items below should all be updated as agreed on my consumer report : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As a consumer by law , these accounts on this letter must be updated immediately or I will seek monetary compensation for the violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, I have already involved and sent this letter to the Complaint portal for the State Attorney Generals Office, Better Business Bureau, and Federal Trade Commission.

Furthermore, I did not authorize the following companies to look at or pull my credit, and these inquiries are fraudulent : o XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian I have contacted these companies and they have XXXX proof that I have authorized these inquiries or permissible purposes. Therefore, I request that these inquiries be removed from my credit report immediately. 

Please advise that these inquiries need to be removed today because I have contacted these companies and they have no proof that I have authorized these inquiries or permissible purposes. 

Thank you for your prompt attention to this matter. 

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