Consumer complaint received 2024-11-03 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: GA

Complaint narrative:
I am writing to formally lodge a complaint against XXXX, XXXX, and Experian regarding the continued reporting and handling of a fraudulent bankruptcy on my credit report. This issue has persisted since 2016. Notably, while XXXX and Experian have removed this bankruptcy from their reportsindicating an admission of guiltXXXX continues to report this erroneous information. 

The actions of all three credit reporting agencies constitute multiple violations, including but not limited to : CFPB Violations : All agencies have failed to comply with CFPB regulations regarding accurate credit reporting and identity theft protections. 

Fair Debt Reporting Collection ( FDRC ) Act Violations : XXXX 's refusal to remove the fraudulent bankruptcy is a violation of the FDRC, which mandates accurate reporting.

Consumer Violations : Each agency 's actions violate my rights as a consumer, particularly concerning the accuracy of my credit report. 

Constitutional Violations : The continued reporting by XXXX deprives me of my right to an accurate credit report, causing significant distress. 

Identity Theft : This fraudulent bankruptcy is a direct result of identity theft, and none of the agencies have followed proper procedures to rectify this issue, violating my rights under the Fair Credit Reporting Act.

Data Mining and Privacy Breaches : The sale of my personal information to third parties for profit, without my consent, constitutes a breach of my privacy rights and is against UCC guidelines regarding the handling of personal data. 

Deceptive Practices : The ongoing reporting of this misinformation by XXXX misrepresents my creditworthiness and constitutes a deceptive practice under consumer protection laws.

Uniform Commercial Code ( UCC ) Violations : UCC 9-504 : This section states that a secured party must dispose of collateral in a commercially reasonable manner. Reporting a fraudulent bankruptcy affects my creditworthiness and the proper use of my information, breaching the requirement for fair and honest reporting.

UCC 1-201 : This section defines good faith and commercial reasonableness. The continued reporting of inaccurate information shows a lack of good faith and reasonable conduct in handling my credit report.

These actions amount to harassment, fraud, and theft, as defined by Black 's Law Dictionary : Harassment

: Conduct that is intended to disturb, upset, or trouble a person repeatedly. The refusal of the credit agencies to correct their errors despite my numerous communications is a form of unlawful harassment.

Fraud : A wrongful or criminal deception intended to result in financial or personal gain. By continuing to report this fraudulent bankruptcy, the agencies are engaging in fraudulent activity by knowingly misrepresenting my creditworthiness.

According to 18 U.S.C. 241 and 242, the refusal to correct this fraudulent bankruptcy constitutes a denial of my rights and has triggered severe mental anguish and financial damages. Despite my numerous communications with all three agencies, they have consistently failed to take appropriate corrective action. 

Their inaction reflects unlawful harassment, amounts to fraud and theft, and directly violates my rights as a consumer, causing substantial harm to my financial well-being. 

As a result of these violations, I am demanding compensation for the damages and mental anguish I have suffered and loss of financial gain amounting to no less than {$25000.00} from each credit agency. If we are unable to resolve this matter amicably, I will pursue a litigation summons for {$100000.00} against all three agencies. 

I respectfully request that the CFPB take note of these unlawful actions by XXXX, XXXX, and Experian, and ensure the prompt removal of the fraudulent bankruptcy from my credit report. Additionally, I ask for a thorough explanation of their verification processes and the steps taken to address my disputes. 

Thank you for your attention to this matter. I look forward to your prompt response.

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