davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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.
Consumer complaint received 2022-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: NAVY FEDERAL CREDIT UNION (NJ)

Hello, I have unauthorized inquiries being furnished on my credit report. I am requesting that they are disputed and removed off of my credit report. 

Creditor name & Date XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX Navy Federal CR Union XXXX XX/XX/XXXX Navy Federal CR Union - XX/XX/XXXX Navy FCU - XX/XX/XXXX XXXX  XXXX  - XX/XX/XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX - XX/XX/XXXX
Consumer complaint received 2022-05-16
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: General Motors Financial Company, Inc. (GA)

On XXXX XXXX GM Financial repossessed my XXXX XXXX XXXX after it was paid off in Bankruptcy. After the Bankruptcy was dismissed in XXXX we received final balance of XXXX owed on the vehicle. We have never received any correspondence from GM stating that we owe any additional monies on this vehicle. After 3 years they send a repossession order to a company located in XXXX, Georgia to come at XXXX XXXX   to take our car Illegally. After speaking with a representative XXXX, at GM, he stated that we still owed XXXX on the vehicle because the Bankruptcy was not dismissed they went back and assessed all of the finance charges! At the start of the bankruptcy, GM stated that we owed XXXX when tge Bankruptcy was dismissed, we had paid XXXX fir the vehicle. We owed the US Bankruptcy Court XXXX and we owed the creditor XXXX.
Consumer complaint received 2022-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NE)

I was taking advantage of due to malpractice while several laws were being broken under the fcr by your company.This has caused me financial injury defamation of character, I cant apply forr jobs and i cant apply for credit i cant even get a sba loan or any thing like that due to the pandemic under this crisis you have hurt my ability to obtain credit.My children and i are suffereing, and my family have made a mockeryand my community has looked down upon me .I refuse to convert back to my old ways that cost me years in prison for breaking laws just like your company has done.I am ashamed of the things i am going through and it is a nightmare for me and my loved ones.I have turned a new leaf transitioning into society to do the right thing just to be violated by company career criminals that have taking advantage of me at my lowest poinjt.I am beyond fed up and i am willing to take this issue to the furthest exent of the law if a remedy is not presented under the federal law and uniform commercial code.
Consumer complaint received 2022-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MO)

I am a natural erson, I am living human being, I have rights under 15 USC 1681. 
Experian is govern by 1681, and they violated my rights numerous of times. I demand that accounts listed below be removed immeditaly XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$500.00} written off. 
XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$5400.00} Status Account charged off. {$5400.00} written off. {$5400.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$3000.00} Status Account charged off. {$3000.00} written off. {$3000.00} past due as of XX/XX/XXXX. 
XXXX XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$990.00} Status Collection account. {$850.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$690.00} XXXX Account charged off. {$690.00} written off. {$690.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$610.00} Status Account charged off. {$610.00} written off. {$610.00} past due as of XX/XX/XXXX. 
XXXXXXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$350.00} Status Account charged off. {$350.00} written off. {$350.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$7300.00} Status Account charged off. {$7300.00} written off. {$7300.00} past due as of XX/XX/XXXX. 
XXXX XXXXXXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXXXXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2900.00} Status Account charged off. {$2900.00} written off. {$2900.00} past due as of XX/XX/XXXX. 
XXXX  Potentially negative Date opened XX/XX/XXXX XXXX - Status Paid in settlement. {$8100.00} written off. 
XXXX XXXX XXXX. 
Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$500.00} Status Collection account. {$5.00} According to 15 USC 1681 : I have the right to privacy and I did not give Experian written permission to furnish these accounts.
Consumer complaint received 2022-07-11
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BlockFi Inc ()

I requested a withdrawal to BLOCKFI, where I had interest accounts with them and I wanted to retire them. They confirmed that the transaction had been done, but the money never arrived, it was XXXX $ more or less. It was made on XXXX the XXXX, 2022. I've called them several times and only got excuses. I also got a wire ID number to trace it, but they are not giving me the answer to that neither.
Consumer complaint received 2022-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have sent XXXX certified letters to XXXX regarding collections below. I have asked to validate that the information that is being reported is mines, with signed contract or full account numbers etc. I have been getting letters stating that the collections have been validated but havent advised how they were validated, no new information has been sent to me and its been over 40 days. According to FCRA these claims needs to be removed.. 

Items in question : XXXX XXXX A {$5600.00} XXXX XXXX  {$2900.00} XXXX XXXX  {$1200.00} XXXX XXXX {$1100.00}
Consumer complaint received 2022-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights. 

LVNV FUNDING LLC has violated my rights. 

15 USC 1681 Section 602 : states that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : states a consumer reporting agency CAN NOT furnish an account without my written instructions.

15 USC 1666B : a creditor may NOT treat a payment on a credit card account under an open end consumer credit plan as late and for purpose.

To whom and all this may concern :
Consumer complaint received 2022-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX, XXXX, and Equifax Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX  XXXX Balance Owed : {$270.00} ; XXXX XXXXXXXX Balance Owed : {$67.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$880.00} ; XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2022-11-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Continental Services Group, Inc. d/b/a ConServe (UT)

I am filing this grievance as Ive exhausted communication attempt with ConServe. I created an account to monitor my credit and was alerted to a collection from ConServe that I had no knowledge of as Id received no communcaiton attempts via USPS mail or phone call ( s ). Due to this, did not obtain the full statutory period that would have allowed me to dispute the validity of the debt in question as I did not receive any initial notification regarding the debt prior to the update with the bureaus. Being a Veteran, the GI Bill should have addressed any debts in question for said balance. However, in my haste due to the collection alert, I reached out to ConServe and made the payment with the intent and understanding the collection would be removed from XXXX, XXXX and XXXX on XX/XX/2022 in the amount of {$3700.00} ( account number XXXX ). However, ConServe only updated the bureaus to paid status and did not delete their collection record, which was the agreement. I would like this collection removed from my credit profile post-haste with the bureaus due to erroneous & misleading collection practices.
Consumer complaint received 2022-11-22
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: UMPQUA HOLDINGS CORPORATION (OR)

As I said before the company garnished my account for almost {$10.00} almost all of my savings Paid the Contractor for unfinished work for which I am still meeting Bills I tried to get them to Refinance my House but, they would not reply to my request When I asked what amount would be required to have the Account open. I was told only {$5.00}. I had almost {$500.00}. and deposited Mortgage Payments monthly One day when I went in to make a Deposit. I was handed a Closure Letter ' This was disturbing to me. I am still disturbed by this action The company 's Motto is : When a small Business prosper we all prosper I was not given the chance or help to grow or prosper I know you can not give legal help but, you attention in this matter would be greatly appreciated. 
Note that the Interest Rate at the time was 2.7 % today I have to pay 6 % with another Bank.
Consumer complaint received 2022-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Please make appropriate corrections reported as late payments on XXXX listed account # XXXX Law States 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on an account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than XXXX days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Consumer complaint received 2022-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MO)

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, Experian, and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX : XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXXXXXX XXXX Balance Owed : {$4600.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1400.00XXXX XXXX XXXXXXXX XXXX Balance Owed : {$4600.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX PORT XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX Balance Owed XXXX {$130.00} XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, XXXX, and Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX : XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXXXXXX XXXX Balance Owed : {$4600.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX  XXXX XXXX Balance Owed : {$4600.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX EQUIFAX : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX Balance Owed XXXX {$130.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (GA)

Contacted Agent on XXXX only gave confirmation # XXXX Credit Report has multiple accounts reporting adverse ; however when I call agent can't find accounts listed nor has she been able to remove those acounts. File # XXXX XX/XX/2022.
Consumer complaint received 2022-10-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FinCo Services Inc DBA Current (FL)

I opened a new bank account with Current Bank and everything seemed to be good and dandy. I linked one of my other bank accounts with XXXX XXXX XXXX XXXX to the newly opened Current Bank account and transferred a sum of XXXX XXXX No issues with this transfer, everything seemed okay. I wanted to transfer a full XXXX $ on the first transfer but my bank has a XXXX $ per day limit so I waited until the next day and transferred another XXXX XXXX I immediately was notified within the Current Bank application that my account was under security review and that I could not make any transactions. Head scratcher, confused, went to my emails and saw an email with the request from Current Bank for me to submit my private confidential metadata with them by submitting a face scan with my identification in the photo as well. As well as a bill from the last 60 days verifying the address. I begrudgingly agreed and sent them this information. Four days later I get another amazing update from Current Bank that they have suspended my account and that I will no longer be able to utilize their bank for banking needs and that all decisions are final. They left out one gigantic, extremely important, essentially the only thing that matters piece of information though. They never told me where they were sending my XXXX $ and it seems as if theyre trying to steal my money. There is no way to get ahold of anyone at Current Bank via telephone. They simply have no customer service it is a disaster. But if you do manage to get a response via email, which I did, from a gentleman named XXXX from Current Bank, the message almost seems robotic and completely outrageous. I informed them that I am extremely worried about my funds that they have in their possession and that it would seem wise to return my funds to the place that they came from ( XXXX XXXX XXXX XXXX ). XXXX told me no, they will not be sending my money back to the originating source. They in fact did not give me any more information than that and I am so confused and feel like I just got robbed. I cant get ahold of anyone at Current Bank and they dont seem interested to do a XXXX thing about my money. I contacted XXXX XXXX XXXX XXXX to inform them of what had happened and they are at a loss for words as well. They are completely befuddled and confused as to current banks strange actions and lack of transparency when it comes to where my money exactly is. I believe they legally are required to send this money back to the originating source if they are the ones who closed my account for no XXXX reason at all.
Consumer complaint received 2022-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the fair credit reporting act Account : XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX, Account # : XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy. 

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2022-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TN)

On XX/XX/22 I noticed accounts from XXXX XXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX were on my file. I have not extended credit to any of these places. This is identity theft. I filed a report and notified the credit bureaus and the secondary reporting agencies. From what I understand, the consumer reporting agencies and secondary agencies must remove these accounts within 4 days. It has been more than 4 business days. Also I know that no account can be put on my credit report without my written permission. I didnt give written permission. I require that these accounts be removed immediately.
Consumer complaint received 2022-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

Hello, I have been trying to resolve some issues with Experian in regards and misreported information on my credit report. Experian has put negative and inaccurate language on my credit report affecting the other reporting agencies as well. This has impacted my livelihood negatively and stunted my acquisition of my rights to essential living requirements such as a home, car or extention of credit to increase my quality of life. Experian has violated the Fair Credit Reporting Act and should be penalized for their actions.