Consumer complaint received 2025-03-24 00:00:00
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.
State: LA

Complaint narrative:
UNITED STATES OF AMERICA ATTENTION : [ CREDIT REPORTING AGENCIES XXXX, XXXX, EXPERIAN ] I, ( XXXX, XXXX ) in natural person, creditor, and consumer status MAKE OATH AND SAY : I am providing this statement pursuant to 15 USC CODE 1692a ( 3 ) consumer means any natural person obligated to pay any debt. Also pursuant to U.S CODE 1681 c-2 block of information resulting from identity XXXX time [ Insert Credit Reporting Agency Name ] REASONS : PURSUANT TO U.S.CODE 1681 SS 1681 ( a ) ( 1 ) ( 3 ) ( 4 ) The Congress found that inaccurate credit reports directly impairs 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 ; The Congress stated that 15 USC 1681a ( D ) ( 2 ) exclusions from consumer reports containing information solely as for transactions or experiences between the consumer and the person making the report, which in this case you [ Insert CRA ] is excluded from reporting of these accounts listed. Notice that you [ Insert CRA ] are prohibited from reporting unverifiable accounts unless you can prove your investigative claim ( s ) to furnish my personal information. 15 USC 1681a ( e ) This included the names of neighbors, friends, and associates whom is associated with the consumer upon which the information is requested general character reputation which shall include an affidavit of proof of perjury from such persons. Pursuant to The Gramm-Leach-Bliley Act ( GLB Act or GLBA ) is also known as the Financial Modernization Act of 1999 your company shall provide all measures in the protection of my private financial information. Consumer Disclosure is defined to make new or secret information known about natural persons. Take notice that pursuant to the handling and delivery of information based upon 15 USC 6801 protection of non public personal information ; privacy obligation policy stating the protection of [ INSERT CRA NAME ] consumers non public personal information from being shared publicly. As a consumer I demand you remove these accounts below Pursuant to U.SCODE 1681b ( a ) ( 2 ) which comprehensively states that the only permissible purpose of the consumer reports by any CRA may furnish a consumer report only under the following circumstances and no other and is in accordance with the written instructions to which the consumer relate. Pursuant to all the facts I stated above, I, the consumer in fact want removed from the credit reporting immediately. I also DO NOT authorize any automated response or e-Oscar verification method. DEMAND FOR REMOVAL PURSUANT TO THE FAIR CREDIT REPORTING ACT 15 USC CODE 1681-1681i. XXXX XXXX  # XXXX If all the accounts listed above arent removed in 30 days as stated in 15 USC CODE 1681i ( 1 ) ( A ) which directs you on what to do while investigating a consumer file for accuracy without the proper investigation practices pursuant to 15 USC 1681 a ( e ) which I quoted above ; I the consumer will seek remedy under 15 USC 1681 n ( a ) ( 1 ) ( A ) ( B ) ( 2 ) ( 3 ) civil liability for willful noncompliance TERMS Person - any individual, partnership, corporation, trust, estate, cooperative, association, government, or governmental subdivision or agency, or other entity. Consumer- means as individual Consumer Report- any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumer credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics or mode of loving which is used or expected to be used in or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for- Consumer Reporting Agency- any person, which, for monetary fees, dues, or on a cooperative non profit basis, regularly registers in whole or in part in the practice of assembling or evaluating consumer credit information, or other information on consumers for the purpose of preparing or furnishing consumer reports File- when used in connection with information on any consumer, mean all of the information on the consumer recorded and contained by a consumer reporting agency regardless of how the information is stored. Credit Card- has the same meaning as section 1602 of this title. Financial institution- any state or national bank a state or federal credit union, or any other person that, directly or indirectly, holds a transaction account ( as defined in section 461 ( b ) of title 12 ). Belonging to the consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation