Consumer complaint received 2024-04-20
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. (GA)

COMES NOW, XXXX XXXX XXXX, Complainant a natural living original XXXX XXXX man of majority status and a XXXX XXXX  XXXX XXXX exercising the styled condition of Principal and Beneficial Equitable XXXX XXXX XXXX and not an infant/minor, hereinafter referred to as the Complainant. This complaint was not prepared by any third parties in any way, shape, form or fashion. This complaint was prepared by the Consumer to whom it relates. there is no justiciable controversy here. As such I am without recourse exercising as well as retaining and reserving all rights, natural, private commercial, incorporeal, Divine or otherwise and allege and state as follows : 15 U.S. Code 1681-Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the creditworthiness, credit standing, credit capacity, character, and general reputation of consumers. ( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this sub-chapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this sub-chapter. ( Pub. XXXX, title VI, XXXX, as added Pub. XXXX XXXX, title VI, XXXX, XXXX, XXXX, XXXX XXXX. XXXX. ) See also XXXX XXXX XXXX XXXX XXXX, and Regulations V and Z. 

15 U.S. Code 1681XXXX Definitions ; rules of construction defines the following : ( c ) The term consumer means an individual. 
( d ) ( XXXX ) The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ( f ) The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. 
( XXXX ) Exclusions Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; XXXX CFR XXXX Definitions states, ( h ) Identity theft means a fraud committed or attempted using the identifying information of another person without authority. 

15 U.S. Code 1681i ( XXXX ) ( B ) - Requirements relating to reinsertion of previously deleted material states the following : ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion. 
( iii ) Additional information As part of, or in addition to, the notice under clause ( XXXX ), a consumer reporting agency shall provide to a consumer in writing not later than XXXX business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information. 

On the XXXX day of XXXX, XXXX XXXX XXXX XXXX reported an account titled XXXX XXXX XXXX XXXX with a balance of {$1500.00} that did not belong to me without my knowledge consent or authorization. XXXX XXXX XXXX is in clear violation of 15 U.S. Code 1681 Permissible purposes of consumer reports. 

On the XXXX day of XXXX, XXXX after I was made aware of this item being placed on my credit report I took appropriate action and the item was removed. 

On the XXXX day of XXXX, XXXX XXXX XXXX XXXX reported an account titled XXXX XXXX XXXX XXXX  with a balance of {$1500.00} that did not belong to me without my knowledge consent or authorization in clear violation of 15 U.S. Code 1681 Permissible purposes of consumer reports. I did not receive at any time the required written Notice of Re-insertion with required attachments from the Credit Reporting Agency as per 15 U.S. Code 1681i ( XXXX ) ( B ) - Requirements relating to reinsertion of previously deleted material. 

On the XXXX day of XXXX, XXXX after I was made aware of this item being placed on my credit report I took appropriate action and the item was removed. 

On the XXXX day of XXXX, XXXXXXXX XXXX XXXX XXXX  reported an account titled XXXX XXXX XXXX XXXX with a balance of {$1500.00} that did not belong to me without my knowledge consent or authorization in clear violation of 15 U.S. Code 1681 Permissible purposes of consumer reports. I did not receive at any time the required written Notice of Re-insertion with required attachments from the Credit Reporting Agency as per 15 U.S. Code 1681i ( XXXX ) ( B ) - Requirements relating to reinsertion of previously deleted material. 

On the XXXX day of XXXX XXXX XXXX XXXX XXXX reported an account titled XXXX XXXX XXXX XXXX with a balance of {$1500.00} that did not belong to me without my knowledge consent or authorization in clear violation of 15 U.S. Code 1681 Permissible purposes of consumer reports. I did not receive at any time the required written Notice of Re-insertion with required attachments from the Credit Reporting Agency as per 15 U.S. Code 1681i ( XXXX ) ( B ) - Requirements relating to reinsertion of previously deleted material. 

On the XXXX day of XXXX, XXXX after I was made aware of this item being placed on my credit report I took appropriate action and the item was removed. 

On the XXXX day of XXXX XXXX XXXX XXXX XXXX reported an account titled XXXX XXXX XXXX XXXX with a balance of {$1500.00} that did not belong to me without my knowledge consent or authorization in clear violation of 15 U.S. Code 1681 Permissible purposes of consumer reports. I did not receive at any time the required written Notice of Re-insertion with required attachments from the Credit Reporting Agency as per 15 U.S. Code 1681i ( XXXX ) ( B ) - Requirements relating to reinsertion of previously deleted material. 

This repeated re-insertion is in explicit violation of the Fair Credit Reporting Act. 

For the record, on the record and let the record show that a search on XXXX consumer access shows that XXXX XXXX XXXX is not licensed/registered to do business or licensed as a debt collector in the state of XXXX. 

For the record, on the record and let the record show I have not had any dealings with XXXX XXXX XXXX at any time. As such I have no contract with XXXX XXXX XXXX, I have no obligations in any form to XXXX XXXX XXXX, I have not given any form of power of attorney, consent or authorization to XXXX XXXX XXXX to interact with my Consumer Credit report in any manner or to contact me in any way. XXXX XXXX XXXX is in clear violation of 15 U.S. Code 1681 Permissible purposes of consumer reports. 

My Consumer Credit score has been lowered a total of XXXX points directly due to XXXX XXXX XXXX malicious, and materially and significantly damaging interactions with my Consumer Credit report and as a result I have been hindered and prevented in my pursuit of life, XXXX, and happiness as I have been denied for nearly XXXX XXXX of all Consumer Credit Transactions I attempted to enter into from the year XXXX to the present including housing, transportation and employment opportunities which have created a significant, material and undue hardship upon my life causing me to be in a state of XXXX XXXX, XXXX XXXX XXXX as a direct result of XXXX XXXX XXXX actions. 

FCRA violations are subject to the penalties and liabilities outlined in 15 U.S. Code 1681n et seq. 

RESPECTFULLY SUBMITTED, BY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX