Consumer complaint received 2023-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

XXXX XXXX HAS ERRONEOUSLY REPORTED INFORMATION ON MY CREDIT REPORT WITH ALL THREE CREDIT AGENCIES. THE INFORMATION ON THE CREDIT REPORT IS INACCURRATE AND I AM UNABLE TO ACCESS THE FILE WITH THIS AGENCY. THE LENDER XXXX XXXX HAS NOT PROVIDED ANY DOCUMENTATION OF THE FINAL RESOLUTION OF THE LOAN, CHARGE-OFF, PAYOFF STATEMENT, DEFICIENCY JUDGMENT OR THE LIKE WHICH IS IN VIOLATION OF MY FCRA RIGHTS. I AM UNABLE TO REACH THE LENDER WITH ANY OF THE INFORMATION LISTED WITHIN THE CONTENTS OF THE CREDIT REPORT. XXXX XXXX XXXX regarding account # XXXX. Sections XXXX and XXXX of the FTC Act Section 9 of the FTC XXXX authorizes the XXXX to require by subpoena the attendance and testimony of witnesses and the production of all such documentary evidence relating to any matter under investigation. XXXX5 U.S.C. Sec. 49. Any member of the XXXX may sign a subpoena ( pursuant to a Commission-issued resolution for compulsory process in the matter ), and both members and examiners ( employees ) of the agency XXXX administer oaths, examine witnesses, and receive evidence. Id. ; XXXX XXXX XXXX, XXXX C.F.R. Sec. XXXX. If a party fails to comply with a subpoena, the XXXX may seek enforcement of the subpoena in [ a ] ny of the district courts of the United States within the jurisdiction of which such inquiry is carried on. 15 U.S.C. Sec. 49. After the XXXX files its petition to enforce a subpoena, and following receipt of any response from the subpoena recipient, the court XXXX enter an order requiring compliance. Refusal to comply with a court enforcement order is subject to penalties for contempt of court. The XXXX of XXXX routinely uses the subpoena provisions of Section XXXX to investigate alleged unfair methods of competition and other antitrust violations. By virtue of the FTC XXXX Amendments of 1994, the XXXX XXXX XXXX also may use civil investigative demands ( CIDs ) for investigations of possible antitrust violations. However, the XXXX XXXX XXXX XXXX XXXX use only CIDs, rather than subpoenas, to investigate possible unfair or deceptive acts or practices. FTC Act Sec. 20, 15 U.S.C. Sec. 57b-1. The scope of a CID is different from that of a subpoena. Both subpoenas and XXXX may be used to obtain existing documents or oral testimony. But a CID XXXX also require that the recipient file written reports or answers to questions. XXXX XXXX. Sec. XXXX ( c ) ( XXXX ). In addition, Section XXXX expressly authorizes the issuance of CIDs requiring the production of tangible things and provides for service of CIDs upon entities not found within the territorial jurisdiction of any court of the United States. 15 U.S.C. Sec. 57b-1 ( c ) ( 7 ) ( B ). Under XXXX XXXX XXXX, 16 C.F.R. Sec. 2.10, a party may raise objections to a subpoena or a CID by filing a petition to limit or quash. Such petitions will be resolved by the full XXXX. The Commission XXXX petition a federal district court to enforce the subpoena or CID in the event of noncompliance, although permissible venue is narrower in a XXXX enforcement action than in a subpoena enforcement case.