Consumer complaint received 2022-05-05
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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. 

AFFIDAVIT OF TRUTH Consumer Enforcement as Administrative Counter-Claim by Private Right of Action Notice to all, I am that I am, the consumer in fact, natural person, original creditor, Ender, executor, administrator, holder in due course for any and all derivatives therefore for the surname/given name XXXX, Consumer and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a Consumer, XXXX and autograph as the agent XXXX attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it now present : Fact, The Truth in Lending Act is intended to inform consumers about the cost of credit. 

Fact, The Truth in Lending Act is intended to protect consumers against abuse and deceit by creditors and I have been abused and deceived so be it. 

Fact, Affiant is aware and has proof in attached labeled exhibits that Experian is in violation of 15 USC 1681 C-2. Block information resulting from identity theft. Consumer reporting agency must block reporting of any information resulting from identity theft, not later than 4 business days after receipt of required documentation.

You received the documents certified mail and did not comply with the law.

Fact, Affiant is aware and has proof in attached labeled exhibits that Experian is in violation of 15 USC 1681e ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. You failed to do so. 30/30/30 is not accurate reporting 30/60/90 is accurate.

Fact, Affiant is aware and has proof in attached labeled exhibits that Experian is in violation of 15 USC 1681i. Reinvestigation of Disputed Information. The agency shall free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file. You failed to do so and didnt correct the disputed information.

Fact, Affiant is aware and has proof in attached labeled exhibits that Experian is in violation of 15 USC 1681 ( a ) I requested your exact method of verification, and I granted you 15 days to respond to this request. If this account was in fact verified as you claim that would mean that you investigated it and it would also mean that this was in fact an investigative consumer report. If this is an investigative consumer report I exercised my rights under 15 USC 1681a ( e ) I wanted to know exactly who you spoke with, and the method you used to speak with them!! I also asked the name and employee number of the employee whom you spoke with the company who furnished this information. Pursuant to 15 USC 1681a ( e ) I demanded the following : Which neighbor did you speak with?

Which associate did you speak with?

Which of my friends did you speak with?

Which acquaintance of mine did you speak with?

Was the information that you received factual?

Fact, Affiant is aware and has proof in attached labeled exhibits that Experian is in violation of the FCRA SECTION 623 ( a ) ( 1 ) ( C ) you can not, under by LAW any circumstances, report information the consumer has told you is inaccurate if it is, in fact, inaccurate. You failed to comply and reported inaccurate information.

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