Consumer complaint received 2025-01-19 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: GA

Complaint narrative:
Recently, I became aware of the CFPB lawsuit against Experian for their mishandling of consumer disputes and failure to comply with FCRA obligations. My experience aligns with the allegations in this lawsuit, as Experian has ignored its duty to investigate and resolve my disputes in good faith.

15 USC 1681e ( b ) : Requires credit bureaus to ensure the accuracy of the information they report.

15 USC 1681s-2 : Mandates that furnishers of information ( like creditors ) report accurate data.

15 USC 1681i ( 5 ) : Requires the credit bureau to conduct a reasonable investigation into disputed information.

15 USC 1681c ( c ) : Outlines the requirements regarding the removal of obsolete information from your credit report.

I have sent multiple dispute letters to Experian, including evidence of the inaccuracies, yet Experian has failed to correct the errors or provide a thorough explanation. This has severely impacted my access to credit, employment, and housing opportunities.

I never gave EXPERIAN any verbal or written consent to report anything on my consumer report. No consent is equivalent to Aggravated Identity Theft. A copy of the law word for word will be copied and pasted below. If these accounts are not removed, I will not hesitate to file a lawsuit against Experian in XXXX XXXX {$1000.00} per violation for Defamation, Negligent Enablement of Identity Fraud, Violations of the Fair Credit Reporting Act, and Financial Injury. I will hold your company accountable for these violations if these accounts are not deleted. Thank you in advance! 
You also do not have any permissible purpose to furnish my personal information to any third party. 
15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

As a consumer, I am demanding a deletion of the following account : These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. 18 US Code 1028A states that whoever knowingly transfers, possesses, or uses my information, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, are sentenced to a term of imprisonment of 2 years. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 




I am requesting for the original copy of the agreement and terms & conditions for legal purposes. Failure to comply will forfeit your claims and will require you to delete all the list of items below. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Failure to respond satisfactory within 30 days of receipt of this certified letter may result in a small claims action against your company seeking {$5000.00} per violation : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any small claims action. I am also including a copy of my complaint to the following organizations : CC : XXXX XXXX XXXX XXXXXXXX XXXX XXXXConsumer Financial Protection BureauXXXX XXXX XXXX XXXX, XXXX XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC. Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints

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