Consumer complaint received 2024-05-21
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. (FL)

Dear Sir or Madam : I am a federally protected consumer, wrote this complaint regarding the enclosed referenced XXXX XXXX account that Experian, XXXX and XXXX have misconstrued and misreported, and which are causing damage to my credit rating. ( Enclosure ) Its inclusion is absolutely incorrect, and is an absolute violation of the Fair Credit Reporting Act ( XXXX XXXX. XXXX ). I have put XXXX XXXX, Experian, XXXX and XXXX on notice that failure to clear this inaccurate information from my reports will result in legal action and complaint to the Consumer Financial Protection Bureau under XXXX U.S.C. XXXX. Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) ( A ) any actual damages sustained by me the consumer as a result of the failure or damages of not less than { {$100.00} } and not more than { {$1000.00} } ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by me the consumer as a result of the failure, or { {$1000.00} }, whichever is greater ; ( XXXX ) such amount of punitive damages as the court may allow ; and ( XXXX ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorney 's fees as determined by the court. ( b ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to me the consumer, the consumer reporting agency for actual damages sustained by the consumer reporting agency or { {$1000.00} }, whichever is greater. ( c ) Attorney 's fees Upon a finding by the court that an unsuccessful pleading, motion, or other paper filed in connection with an action under this section was filed in bad faith or for purposes of harassment, the court shall award to the prevailing party attorney 's fees reasonable in relation to the work expended in responding to the pleading, motion, or other paper.. XXXX XXXX, Experian, XXXX and XXXX have been placed on notice that I, XXXX XXXX the consumer, have initiated reports to the appropriate Federal oversight agencies regarding this matter. Moreover, the XXXX XXXX XXXX report also violates 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. I have not given XXXX XXXX permission to disclose any nonpublic personal information. In addition, I believe that XXXX XXXX is committing fraud. The information on my Experian, XXXX and XXXX consumer credit report shows a section labeled XXXX history and clearly shows that nonpublic personal information has been disclosed to a nonaffiliated third party on a monthly basis starting from 2019 times total thus far. This is prima facie evidence of consumer rights violation and fraud under 15 U.S Code 1681 permissible purposes of consumer reports.