Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XX/XX/XXXX Experian/ XXXX XXXX and any other Credit Reporting Agencies not listed who are actively reporting on my NAME, SS #, and PERSONAL FINANCES. 
\cc : CONSUMER FINANCE PROTECTION BUREAU RE : OFFICIAL COMPLAINT Notice to Agent is Notice to Principal. Notice to Principal is Notice to Agent. 
Dear Experian/ XXXX XXXX, All Trustees , Indentured Trustees, and all Agents to whom may be reading this document : My name is XXXX XXXX XXXX XXXX I was born XXXX. The social security account assigned to me, the beneficiary, is XXXX. My phone number is XXXX. I have XXXX active mailable address which is : XXXX  This is the only accurate, active, mailable information which I have at present time, and the only personal information I will allow to be published regarding my PERSONAL ACCOUNT, PERSONAL INFORMATION, within any and all Credit Reporting Agencies, Credit Reports, and reporting files, documents, and information. I have made multiple attempts to correct the long list of INACCURATE, UNMAILABLE, and FRADULENT information on my records, via phone and mail, and my accounts have yet to be updated with the above CORRECT information in item 1. I have attempted to correct these errors multiple times by phone and mail, sent with certified mail since XXXX, to no avail. This has amounted to hundreds of hours of labor on my part and the companies will not correct, remedy, or update my files as of today XX/XX/XXXX. 

I have seen many inaccuracies on all my credit reports, such as non-mailable addresses, multiple/double inaccurate versions of my name, and other inaccuracies regarding transactions and accounts which I would like to be corrected immediately. I ask that all my reports be updated to reflect the truth and accuracy which I have provided immediately and serve me notice or documentation of the corrections made to my personal files within 5-7 business days from receipt of this affidavit. 
( 16 CFR 433.2- As holder of this account, these accounts, I have certain rights to correct any and all errors, fraudulent reports, transactions, and to make requests/demands/corrections regarding the reporting of any and all of my accounts which you must adhere to. ) 16 CFR 433.4 The above mentioned laws are enforceable for any contract written after XX/XX/XXXX. 
According to the Privacy act of 1974, No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ). ; I, the holder of this account, the consumer, and Beneficiary of the Title XXXX XXXX XXXX, and all correct variations thereof, have not consented to, verbally or in written request notice for any of my transactions to be reported. Since you are not permitted to do this, by Law, I request that you do not report the transaction history of my accounts. Instead, I ask that you UPDATE MY CREDIT FILES TO REPORT PAID AS AGREED on the accounts that have been charged -off, or reflect an inaccurate negative payment history. STOP reporting the utilization of those accounts, per 16 CFR 433.2-3. 

AS FAR AS THE ACCOUNTS THAT ARE ACCURATE, and IN GOOD- STANDING with a XXXX XXXX on-time payment history, please update my files so that they are all the same and there is only ONE ( 1 ) copy of each account, as I have noticed there are multiples such as the XXXX XXXX XXXX , indicated on the following copies. 
PLEASE NOTE, that I am opting out of reporting my information to all third parties and promotional / solicitation from this date forward. So do not share my information with any third parties from this point forward. 
There are many laws and regulations such as 16 CFR 433.1-2-3 ; regarding deceptive properties of Credit Reporting Agencies and their practices, such as 17 CFR 424- That you would not solicit nor commit language fraud ; ( promotional inquiries sent to me on every credit report page within the app and statements sent to me ), I ask that you do not share any of my private or personal information with third parties or I will be forced to take legal action to pursue remedy for each and every violation, from XXXX date going back XXXX years, at the rate of {$1000.00} per violation. 
Please update my credit reports with the CORRECTIONS made in 1. My personal information provided to you, above- accurate name, ss #, mailable address and phone number. 2. UPDATE MY CREDIT ACCOUNTS TO PAID AS AGREED, instead of including transaction history. 3. Update my files with correct accounts and only one ( 1 ) of each. Finally, Id like all 3 credit reports to reflect the same information across all 3 reports so that I am not hindered in my business, life, liberty, and pursuit of happiness. Please do not infringe on, violate, or disregards my rights in the Public or Private Sector.