Consumer complaint received 2023-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Texas [ XXXX ] Experian XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ATTENTION FRAUD DEPT : THIS IS AN OFFICIAL NOTICE OF FRAUD IN YOUR METHOD OF ASSEMBLYING AND EVALUATING CONSUMER REPORTS WITHIN THE GUIDELINES OF THE FCRA. THIS IS YOUR ONLY OPPORTUNITY TO CURE WITHOUT LITIGATION AND BILL FOR DAMAGES. 
This letter is to officially address the fact that XXXX, as a XXXX is in dishonor and has not been fulfilling your obligation to ensure accuracy and fairness in your evaluation of many consumer reports according to the investigation done by the Select Subcommittee of the Coronavirus. 
The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system and UNFAIR CREDIT REPORTING METHODS UNDERMINE THE PUBLICS CONFIDENCE WHICH IS ESSENTIAL TO THE CONTINUED FUNCTIONING OF THE BANKING SYSTEM. 
To be clear your company exists for one reason and one reason only. Per 15 USC 1681a to lawfully evaluate and assemble consumer reports under the direct supervision of the CFPB. Not to play bill collector and allow corporations to illegally furnish protected and excluded information about consumers. Things that have clearly been stated in the Fair Credit Reporting Act that should be EXCLUDED such as transactions and experiences. To be clear the only transaction or experience I can have with a corporation would be an account balance, late payments and credit utilization. I demand all late payments be removed and updated to current, also that my utilization be brought below 25 % and account balances to {$0.00} for them to keep reporting. 
At this present moment and for some months now you have been negatively affecting the banking system by reporting the following inaccuracies. I have disputed these things previously to no avail but recently learned that your agency has been under investigation by the Select Subcommittee of the Coronavirus Crisis. Attached is a letter dated XX/XX/XXXX including links to websites showing stats of how you have been unlawfully discarding consumer disputes or not addressing them at all. I have enclosed a few pages with highlights just in case you act clueless. An investigation was done showing that your company also failed to respond to consumer disputes or offer a resolution and the numbers have more than doubled since XXXX. 
This behavior is unacceptable, and I will be researching more to see how to initiate a lawsuit against you for willful noncompliance of not only FCRA but also FDCPA. These furnishers have been using my consumer report as an attempt to collect on a debt through a third party without my written consent or knowledge which by definition is identity theft. Per 15 USC 1681c-2 this information needs to be BLOCKED AND REMOVED FROM REPORTING. If in fact these items continue to report the fees requested will double. This is your final opportunity to cure this situation outside of federal courts. I also demand compensation for my identity and personal information being breached in your most recent breach in XXXX. You have no idea how leaking my information has affected my life. 
Furthermore, I received a copy of my credit report and found the following item ( s ) to be in error, remove them within the next 4 days per FCRA : 1. Remove this account XXXX XXXX Date of inquiry : XX/XX/XXXX I officially demand this item be removed. 
2. Per Permissible Purposes of the FCRA a furnisher can only furnish a report by the written consent of the consumer in which it relates. I am the consumer and I never gave written consent. If you go against what I am saying that will be considered identity theft. 
XXXX Date of inquiry : XX/XX/XXXX I officially demand this item be removed. 
3. Per Permissible Purposes of the FCRA a furnisher can only furnish a report by the written consent of the consumer in which it relates. I am the consumer and I never gave written consent. If you go against what I am saying that will be considered identity theft. 
XXXX Date of inquiry : XX/XX/XXXX I officially demand this item be removed. 
4. Per Permissible Purposes of the FCRA a furnisher can only furnish a report by the written consent of the consumer in which it relates. I am the consumer and I never gave written consent. If you go against what I am saying that will be considered identity theft. 
XXXX Date of inquiry XXXX XXXX I officially demand this item be removed. 
5. Per Permissible Purposes of the FCRA a furnisher can only furnish a report by the written consent of the consumer in which it relates. I am the consumer and I never gave written consent. If you go against what I am saying that will be considered identity theft. 
XXXX Date of inquiry XXXX XXXX I officially demand this item be removed. 
6. Per Permissible Purposes of the FCRA a furnisher can only furnish a report by the written consent of the consumer in which it relates. I am the consumer and I never gave written consent. If you go against what I am saying that will be considered identity theft. 
XXXX Date of inquiry XXXX XXXX I officially demand this item be removed. 
7. Per Permissible Purposes of the FCRA a furnisher can only furnish a report by the written consent of the consumer in which it relates. I am the consumer and I never gave written consent. If you go against what I am saying that will be considered identity theft. 
XXXX Date of inquiry : XX/XX/XXXX I officially demand this item be removed. 
8. Per Permissible Purposes of the FCRA a furnisher can only furnish a report by the written consent of the consumer in which it relates. I am the consumer and I never gave written consent. If you go against what I am saying that will be considered identity theft. 
XXXX  Date of inquiry : XX/XX/XXXX I officially demand this item be removed. 
XXXX. XXXX XXXX Purposes of the FCRA a furnisher can only furnish a report by the written consent of the consumer in which it relates. I am the consumer and I never gave written consent. If you go against what I am saying that will be considered identity theft. 
XXXX Date of inquiry : XX/XX/XXXX I officially demand this item be removed. 
10. The following personal information is incorrect XXXX CARD Account Number : XXXX I officially demand this item be removed. 
11. This account is illegally reporting. The alleged debt has been written off by the IRS and has been credited back to their account. So it is unjust and illegal for it to continue to report. Per the FCRA permissible purposes my written consent has not been given so remove this. 
XXXX XXXX Account Number : XXXX Remove this from my consumer report or it will be considered as willful noncompliance. I demand {$1000.00} for each month that it has been reporting so far plus any damages I have incurred within the time it has been illegally and inaccurately reporting. 
12. Account fraudulently being reported XXXX Account Number : XXXX This account is a result of identity theft per 15 USC 1681 there is no permissible purpose to report this account as I never gave written consent and if in fact I did I am requesting a copy of the original agreement stating I gave anyone the privilege to report this account on my consumer report. I am currently taking this company to court for fraud. If your company continues to report this account you will be included in said lawsuit and I will seek {$1000.00} PER MONTH this account has been reporting. 
13. Account fraudulently being reported XXXX XXXX Account Number : XXXX This account is a result of identity theft per 15 USC 1681 there is no permissible purpose to report this account as I never gave written consent and if in fact I did I am requesting a copy of the original agreement stating I gave anyone the privilege to report this account on my consumer report. I am currently taking this company to court for fraud. If your company continues to report this account, you will be included in said lawsuit and I will seek {$1000.00} PER MONTH this account has been reporting. 
14. Account fraudulently being reported XXXX  Account Number : XXXX This account is a result of identity theft per 15 USC 1681 there is no permissible purpose to report this account as I never gave written consent and if in fact I did I am requesting a copy of the original agreement stating I gave anyone the privilege to report this account on my consumer report. I am currently taking this company to court for fraud. If your company continues to report this account, you will be included in said lawsuit and I will seek {$1000.00} PER MONTH this account has been reporting. 
15. Account fraudulently being reported XXXX XXXX Account Number : XXXX This account is a result of identity theft per 15 USC 1681 there is no permissible purpose to report this account as I never gave written consent and if in fact I did I am requesting a copy of the original agreement stating I gave anyone the privilege to report this account on my consumer report. I am currently taking this company to court for fraud. If your company continues to report this account, you will be included in said lawsuit and I will seek {$1000.00} PER MONTH this account has been reporting.

16. Account fraudulently being reported XXXX XXXX Account Number : XXXX This account is a result of identity theft per 15 USC 1681 there is no permissible purpose to report this account as I never gave written consent and if in fact I did I am requesting a copy of the original agreement stating I gave anyone the privilege to report this account on my consumer report. I am currently taking this company to court for fraud. If your company continues to report this account, you will be included in said lawsuit and I will seek {$1000.00} PER MONTH this account has been reporting. 
17. Account fraudulently being reported XXXX XXXX Account Number : XXXX This account is a result of identity theft per 15 USC 1681 there is no permissible purpose to report this account as I never gave written consent and if in fact I did I am requesting a copy of the original agreement stating I gave anyone the privilege to report this account on my consumer report. I am currently taking this company to court for fraud. If your company continues to report this account you will be included in said lawsuit and I will seek {$1000.00} PER MONTH this account has been reporting. 
18. Account fraudulently being reported XXXX XXXX XXXX  Account Number : XXXX This account is a result of identity theft per 15 USC 1681 there is no permissible purpose to report this account as I never gave written consent and if in fact I did I am requesting a copy of the original agreement stating I gave anyone the privilege to report this account on my consumer report. I am currently taking this company to court for fraud. If your company continues to report this account you will be included in said lawsuit and I will seek {$1000.00} PER MONTH this account has been reporting.

19. Account fraudulently being reported XXXX XXXX XXXX  Account Number : XXXX This account is a result of identity theft per 15 USC 1681 there is no permissible purpose to report this account as I never gave written consent and if in fact I did I am requesting a copy of the original agreement stating I gave anyone the privilege to report this account on my consumer report. I am currently taking this company to court for fraud. If your company continues to report this account you will be included in said lawsuit and I will seek {$1000.00} PER MONTH this account has been reporting. 
20. Account fraudulently being reported XXXX XXXX Account Number : XXXX This account is a result of identity theft per 15 USC 1681 there is no permissible purpose to report this account as I never gave written consent and if in fact I did I am requesting a copy of the original agreement stating I gave anyone the privilege to report this account on my consumer report. I am currently taking this company to court for fraud. If your company continues to report this account you will be included in said lawsuit and I will seek {$1000.00} PER MONTH this account has been reporting. 



21. This account should not be reporting as it is a transaction or an experience with the furnisher and per FCRA that is EXCLUDED. 
XXXX XXXX XXXX Account Number : XXXX It is clear that you do not follow the FCRA but this is unacceptable and I demand it to be removed immediately. 
22. The late payments on this account should not be reporting as this is clearly a transaction and experience with this company and per the FCRA these are to be excluded from a consumer report. 
XXXX XXXX Account Number : XXXX This account is a result of identity theft per 15 USC 1681 there is no permissible purpose to report this account as I never gave written consent and if in fact I did I am requesting a copy of the original agreement stating I gave anyone the privilege to report this account on my consumer report. I am currently taking this company to court for fraud. If your company continues to report this account you will be included in said lawsuit and I will seek {$1000.00} PER MONTH this account has been reporting. 
23. Account fraudulently being reported XXXX Account Number : XXXX Please remove it from my credit report. 
24. Account fraudulently being reported XXXX Account Number : XXXX This account is a result of identity theft per 15 USC 1681 there is no permissible purpose to report this account as I never gave written consent and if in fact I did I am requesting a copy of the original agreement stating I gave anyone the privilege to report this account on my consumer report. I am currently taking this company to court for fraud. If your company continues to report this account, you will be included in said lawsuit and I will seek {$1000.00} PER MONTH this account has been reporting. 
25. Account fraudulently being reported XXXX XXXX Account Number : XXXX This account is a result of identity theft per 15 USC 1681 there is no permissible purpose to report this account as I never gave written consent and if in fact I did I am requesting a copy of the original agreement stating I gave anyone the privilege to report this account on my consumer report. I am currently taking this company to court for fraud. If your company continues to report this account, you will be included in said lawsuit and I will seek {$1000.00} PER MONTH this account has been reporting. 

26. Account fraudulently being reported XXXX Account Number : XXXX This account is a result of identity theft per 15 USC 1681 there is no permissible purpose to report this account as I never gave written consent and if in fact I did I am requesting a copy of the original agreement stating I gave anyone the privilege to report this account on my consumer report. I am currently taking this company to court for fraud. If your company continues to report this account you will be included in said lawsuit and I will seek {$1000.00} PER MONTH this account has been reporting. 
27. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove this account until litigation is complete. I have filed a IRS form 3949 to report this company as they are reporting a charged off transaction that has been charged off and I am claiming as income with a 1099c that was issued for the credit. According the the FCRA income is not to be reported on a consumer report so this is a direct violation of my rights as a consumer. Remove this item. 
28. Account fraudulently being reported XXXX Account XXXX : XXXX Please remove this account until litigation is complete. I have filed a IRS form XXXX to report this company as they are reporting a charged off transaction that has been charged off and I am claiming as income with a 1099c that was issued for the credit. According the the FCRA income is not to be reported on a consumer report so this is a direct violation of my rights as a consumer. Remove this item. 



29. Identity Theft XXXX XXXX XXXX  Account Number : XXXX Please remove this account until litigation is complete. I have filed a XXXXIRS form 3949 to report this company as they are reporting a charged off transaction that has been charged off and I am claiming as income with a 1099c that was issued for the credit. According the the FCRA income is not to be reported on a consumer report, so this is a direct violation of my rights as a consumer. Remove this item. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. I mean a REAL INVESTIGATION per FCRA. NOT you just taking the word of a someone I am accusing of fraud. That doesnt help the consumer and is illegal to say the least. It is my understanding that you will recheck these items with the creditor who has posted them and MUST receive proof that I gave my written consent. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the FCRA, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 
Sincerely, XXXX

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 non-monetary relief