Consumer complaint received 2024-08-03 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: MO

Complaint narrative:
Experian, XXXX and XXXX and its cover persons, officers, agents, servants and attorneys regarding their persistent noncompliance with federal regulations and their unethical tactics during the investigation of disputes. Despite numerous attempts to resolve these issues directly with XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and its cover persons, agents, employees, servants and attorneys and Experian, XXXX and XXXX their actions continue to reflect a blatant disregard for the Consumer Financial Protection Bureau 's ( CFPB XXXX guidelines and the Fair Credit Reporting Act ( FCRA ). 
Furthermore, I have never given Experian XXXX and XXXX and its cover persons, officers, agents and attorneys written permission to have nor share my financial information which consist of my transaction history ( It is against the law to share transaction history- that is ILLEGAL ), opening of my accounts, types of accounts, full name, address, phone #, SSN, etc. 
This complaint involves the following parties : XXXX XXXX Principle office XXXX XXXX XXXX, XXXX, MD XXXX Attn : XXXX XXXX XXXX ( Executive Vice President ). XXXX XXXX XXXX XXXX, XXXX. ( as Indentured Trustee ) Principal office XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX Attn : XXXX XXXX ( Vice President ) XXXX, XXXX XXXX XXXX  XXXX XXXX Principal office XXXX XXXX XXXX, XXXX XXXX XXXX NY XXXX Attn : XXXX XXXX ( Treasurer ) XXXX XXXX XXXX XXXX XXXX ( as Indentured Trustee ) Principal office XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, New York XXXX Attn : XXXX XXXX ( principal accounting XXXX ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX : Treasurer XXXX XXXX XXXX XXXX XXXX XXXX XXXX Principal office XXXX XXXX XXXX XXXX, XXXX, VIRGINIA XXXX Attn : Principal Accounting Officer XXXX XXXX XXXX. XXXX XXXX  XXXX XXXX XXXX ( as Indentured Trustee ) Principal office XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Attn : CFO XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX Attn : Vice Corporate Secretary - XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX Attn : Vice President - XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Principal office XXXX XXXX XXXX, XXXX Washington XXXX, Attn : XXXX XXXX XXXX XXXX XXXX, General Counsel ) XXXX XXXX XXXX XXXX XXXX XXXX as Indentured Trustee ) Principal Office XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX Principal office XXXX XXXX XXXX, XXXX, OH XXXX Attn : DIRECTOR of FINANCE : XXXX XXXX. XXXX XXXX XXXX ( as Indentured Trustee ) Principal office XXXX XXXX XXXX, XXXX OH XXXX. XXXX Principal office XXXX XXXX XXXX  XXXX XXXX, XXXX, Delaware XXXX and XXXX, XXXX Principal office XXXX XXXX XXXX XXXX. XXXX, GA XXXX Attn : XXXX XXXX XXXX, XXXX ( Executive Vice President, Chief Financial Officer and Chief Operations Officer ) and EXPERIAN Principal office XXXX XXXX XXXX, XXXX XXXX, CA XXXX Attn : XXXX XXXX. XXXX Principal office XXXX XXXX XXXX XXXX, XXXX, Ill XXXX Attn : XXXX XXXX XXXX. 
Please note that I've already tried repeatedly to resolve these issues ( with all parties ) via certified mail before filing this CFPB complaint. Summary of Problem / Complaint Details ) XXXX  XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX is committing securities fraud and willfully violating the Fair Credit Reporting Act by furnishing false, inaccurate, non-public information to non-affiliated third parties ( specifically credit agencies EXPERIAN, XXXX and XXXX ) XXXX 
I XXXX XXXX sent XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX a written request to OPT-OUT ( per 15 USC 6802 and 16 CFR 313.7 ) via certified mail back in XXXX of XXXX, which XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ignored . Included in this same round of certified mail was also a notorized affidavit from XXXX XXXX detailing different statements of fact which XXXX XXXXXXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX also ignored and did not respond to. 
I XXXX XXXX sent XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX a written request to OPT-OUT ( per 15 USC 6802 and 16 CFR 313.7 ) via certified mail back in XXXX of XXXX, which XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ignored . Included in this same round of certified mail was also a notorized affidavit from XXXX XXXX detailing different statements of fact which XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX also ignored and did not respond to. 
This generic response letter from XXXX XXXXXXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX also listed a total outstanding balances of despite these accounts been charged off and closed. I the consumer has sent multiple rounds of certified mail to XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX , in an attempt to resolve this matter in good faith outside of court ; this certified mail has included a formal cease and desist letter, and letter of demand with invoice, yet XXXX XXXX XXXX, XXXX. XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX , willfully persists in furnishing false information to the credit agencies ( violating XXXX5 USC 1681s-2 ) as well as the Privacy Act of 1974, the Truth in Lending Act and the Securities Exchange Act of 1934. 
The consumer has also repeatedly notified the credit agencies EXPERIAN, XXXX and XXXX via certified mail about this matter, sending them formal cease and desist letters, estoppels and letters of demand with invoices, yet all three credit agencies continue to willfully report this false, inaccurate, non-public information ( furnished to them from XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX despite the ongoing factual discrepancies that they have been notified of time and time again. Rather than conducting reasonable investigations into the matter, EXPERIAN, XXXX and XXXX conducted superficial examinations based on presumption ( not proof ) that XXXX XXXX XXXX  XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX was telling the truth without requiring to provide actual account documentation that could be verified. 

This is a violation of the Fair Credit Reporting Act ( 15 USC 1681i ). 
I the consumer has attached my most recent 3-consumer report ( dated XX/XX/XXXX ) to this CFPB complaint, which shows side by side that XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX credit agencies are reporting wildly different information and FCRA violations in regards to these accounts. EXPERIAN, XXXX and XXXX are reporting different high balance amounts, different dates of last activity, different dates opened, and all list a current balance. There's no way a closed/charged off account still has an active balance. 
EXPERIAN, XXXX and XXXX should all be reporting the same information for XXXX XXXXXXXX XXXX  XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX accounts , yet they are not. This is proof that EXPERIAN, XXXX and XXXX are not doing their due diligence in verifying the maximum possible accuracy of the information being furnished to them by XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX 
This also shows that the credit agencies are not exercising their grave responsibilities with fairness, impartiality and respect with the consumers right to privacy, thus impairing the efficiency of the banking system and undermining public confidence ( 15 USC 1681 ). 
This is grounds for immediate deletion of XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX accounts from all of XXXX XXXX consumer reports ( per 15 USC 1681i ) . 
Per 15 USC 6805, it is now the CFPBs responsibility to enforce compliance in this matter and see to it that the consumer XXXX XXXX consumer reports are promptly corrected and that XXXX XXXX is now compensated for FCRA violations in the amount of { {$1000.00} } per violation ( per 15 USC 1681n ). Please see the attached documents. 
Transactions are not allowed to be included in consumer reports ( per 15 USC 1681a ). Also, 15 USC 1666b makes it clear that payments on a consumer credit plan can not be marked as late for any purpose. Additionally, charge-offs are considered certificates of indebtedness ( which the IRS considers income per publication 4681 ), so charge-offs are also not allowed to be reporting. 
The only thing XXXX XXXX XXXX  XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN, XXXX and XXXX have the consumer XXXX XXXX permission to report is that those accounts are PAID IN FULL, ON TIME, AS AGREED. No adverse information should be reporting. Any information beyond this would be considered furnishing a deceptive form with the intent to mislead the public ( 15 USC 1692j ). 
From the beginning, XXXX XXXX XXXX, XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX and their cover persons, officers , agents and attorney engaged in contract and securities fraud. XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX used misleading and deceptive language and practices to elicit a signature for an alleged purchase money loan, but the consumer XXXX XXXX never received any cash advance in exchange for finance charge ( 16 CFR 433.1 ). Instead, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX conducted a consumer credit transaction whereby XXXX XXXX the consumer signature was used ( without my full knowledge and understanding ) to securitize a bond on a promissory note which is now an obligation of the United States ( per 18 USC 8 ). This was a violation of 17 CFR 240.14a-9 and 17 CFR 240.15c1-2 EXPERIAN, XXXX and XXXX and its cover persons, officers, agents, servants and attorneys you shall cease all verbal communications. NO EMAILS, NO PHONE CALLS NO TEXT MESSAGES, NO SOCIAL MEDIA CONTACT, NO RINGLESS VOICEMAIL CONTACT, THE ONLY COMMUNICATION MUST BE THROUGH THE UNITED STATES POST OFFICE. 

Please note, the consumer is not asking for any reinvestigation, CFPB can you PLEASE help me the consumer with this question for EXPERIAN, XXXX and XXXX THIS HOW CAN A REPORTING AGENCY and its cover persons, officers, agents, servants and attorneys do their investigation or a reinvestigation and come back to say verified or accurate, regarding information that is illegal, excluded from the consumer report? Furthermore, the consumer did not ask for any verification or accuracies of anything! CONGRESS clearly states I urge the CFPB to take immediate action to investigate Experian 's non-compliance and enforce stringent penalties for their continued violations. Consumers rely on the CFPB to uphold fair and ethical practices within the financial sector, and Experian 's conduct is a stark violation of these principles. Please confirm receipt of this complaint and provide an outline of the steps the CFPB will take to address this matter. I am prepared to provide any additional information required to support this investigation and ensure that Experian is held accountable for their actions. Thank you for your prompt attention to this urgent issue.

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