Consumer complaint received 2025-02-04 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: TX

Complaint narrative:
In, accordance with the Fair Credit Reporting Act Experian has violated my rights. Inaccurate reporting FCRA section 605c Consumer submission for XXXX XXXX XXXX 15 USC 1681. Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : I am a victim of XXXX XXXX and per the Debt Bondage repair act I have several accounts and Inquiries on my report that I would like blocked and deleted. It also states a consumer reporting agency ( Experian ) can not furnish an account without my written instruction of permission. 15 USC 1666B. Also, as a consumer per 15 US code 1681n : Civil liability for willful noncompliance. In case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose actual damages sustained by consumer as a result of the failure or {$1000.00} whichever is greater. I have 3 negative accounts who have violated my rights that Experian has reported on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$3300.00} Block and remove these immediately along with these fraud addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
authorize Experian or this company to run my credit or use my social security number. I would like to be reimbursed {$1000.00} per violation. XXXX and the corresponding accounts reported are also in violation of 15 US Code 1681c-2 Block of information resulting from identity theft. These accounts are all related to identity theft i have provided the necessary documentation under this law and the accounts still remain on my report. I have attached my proof of Identity, XXXX  victim determination, and adverse information attached. Experian also violated by not properly investigating my accounts I disputed on XX/XX/XXXX the same day Experian validated my accounts without proper investigation per 15 U.S.C. 1681s-2 ( a ) - Responsibilities of Furnishers of Information to Consumer Reporting Agencies , 15 U.S.C. 1681i - Procedure in Case of Disputed Accuracy, 15 U.S.C. 1692g ( b ) - Validation of Debts ( FDCPA ). Experian did not provide me with proper validation on why the accounts were updated and not deleted. Either Experian needs to provide proper steps in disputing and validating accounts, or they will be fined {$1000.00} per violation .Failure to Properly Investigate Consumer Disputes, experian also. Reinsertion of Previously Deleted Inaccurate Information : The CFPB claims that Experian allowed information that had been previously removed due to disputes to be reinserted into consumers ' credit files without proper notification or justification, leading to recurring inaccuracies.Failure to Delete Inaccurate, Incomplete, or Unverified Information : Experian allegedly did not remove or correct information in consumer credit files that was found to be inaccurate, incomplete, or unverified during reinvestigations, as mandated by the FCRA. Inadequate Written Notices to Consumers : The lawsuit asserts that Experian failed to provide consumers with adequate written notices detailing the results of reinvestigations into disputed information, depriving them of essential information about their credit reports.

CONSUMERFINANCE.GOV Unfair Practices in Handling Disputes : The CFPB alleges that Experian engaged in unfair practices by distorting, truncating, or mischaracterizing consumers ' disputes when conveying them to furnishers ( the entities that provide credit information ), and by over-relying on these furnishers ' responses without proper oversight.

These alleged actions by Experian are claimed to have violated the Fair Credit Reporting Act and the Consumer Financial Protection Act, being a victim of XXXX, identity theft, fraud, and inaccurate investigating I have provided my Identity theft report, UCC11, demand letter, 605c submission and self-attestation form

Company response to consumer: Closed with explanation