Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
The Truth in Lending Act ( TILA ) of 1968 is a Federal law designed to promote the informed use of consumer credit. It requires disclosures about the terms and cost of loans to standardize how borrowing costs are calculated and disclosed. TILA also gives consumers the right to cancel certain credit transactions that involve a lien on a consumer 's principal dwelling, regulates certain credit card practices, and provides a means for fair and timely resolution of credit billing disputes. With the exception of certain high-cost mortgage loans, TILA does not regulate the charges that may be imposed for consumer credit. Rather, it requires uniform or standardized disclosure of costs and charges so that consumers can shop. The Dodd-Frank Act transferred the Federal Reserve Board 's rulemaking authority for TILA to the Consumer Financial Protection Bureau as of XX/XX/XXXX. 


ARTICLE 22 ( Relization ) ARTICLE 28 Everyone is entitled to a social and international order in which the rights and freedoms set forth in this Declaration can be fully realized.

ARTICLE 30 Nothing in this Declaration may be interpreted as implying for any State, group or person any right to engage in any activity or to perform any act aimed at the destruction of any of the rights and freedoms set forth herein.

THIS ENTITY XXXX XXXX XXXX XXXX XXXX  HAS CHARGED ME 169.23 % ON A LOAN OF {$2300.00} EQUALING {$8200.00}. MIND YOU OVER 23 PAYMENTS OF {$340.00}. THIS IS AN OUTRAGE AND NEEDS IMMEDIATE ATTENTION ON YOUR BEHALF ASAP!! ! XXXX XXXXXXXX XXXX Geographical Profiling Social Profiling XXXX Profiling 18 USC Section 241 15 USC 1650 15 USC 3002-10 ( Person ) CFPB NEVER GAVE ME A CHANCE TO RESPOND TO EXPERIAN, TRANSUNION, EQUIFAX ON THIS MATTER, CFPB JUST SHOWED EXPERIANS INTERIM RESPONSE AND NEVER GAVE THE OPORTUNITY TO RESPOND TO THE MATTER AT HAND. REPORTING OF FALSE INFORMATION ON MY CREDIT REPORT. ALSO NOT UPDATING INFORMATION CORRECTLY. KEEPING OLD CLOSED ACCOUNTS ON REPORT WITH A NEGATIVE CODE, INFORMATION BEING SOLD OVER THE INTERNET.

15 USC 1681 ( s ) ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 

( 7 ) Negative information ( A ) Notice to consumer required ( i ) In general If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 1681a ( p ) of this title furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer.

42 USC Ch. 126 : EQUAL OPPORTUNITY FOR INDIVIDUALS WITH XXXX From Title XXXX PUBLIC HEALTH AND WELFARE Title 18, U.S.C., Section 245 - Federally Protected Activities 1 ) This statute prohibits willful injury, intimidation, or interference, or attempt to do so, by force or threat of force of any person or class of persons because of their activity as : A voter, or person qualifying to vote ... ; a participant in any benefit, service, privilege, program, facility, or activity provided or administered by the United States ; an applicant for federal employment or an employee by the federal government ; a juror or prospective juror in federal court ; and a participant in any program or activity receiving Federal financial assistance.

2 ) Prohibits willful injury, intimidation, or interference or attempt to do so, by force or threat of force of any person because of race, color, religion, or national origin and because of his/her activity as : A student or applicant for admission to any public school or public college ; a participant in any benefit, service, privilege, program, facility, or activity provided or administered by a state or local government ; an applicant for private or state employment, private or state employee ; a member or applicant for membership in any labor organization or hiring hall ; or an applicant for employment through any employment agency, labor organization or hiring hall ; a juror or prospective juror in state court ; a traveler or user of any facility of interstate commerce or common carrier ; or a patron of any public accommodation, including hotels, motels, restaurants, lunchrooms, bars, gas stations, theaters... or any other establishment which serves the public and which is principally engaged in selling food or beverages for consumption on the premises.

3 ) Prohibits interference by force or threat of force against any person because he/she is or has been, or in order to intimidate such person or any other person or class of persons from participating or affording others the opportunity or protection to so participate, or lawfully aiding or encouraging other persons to participate in any of the benefits or activities listed in items ( 1 ) and ( 2 ), above without discrimination as to race, color, religion, or national origin.

Punishment varies from a fine or imprisonment of up to one year, or both, and if bodily injury results or if such acts include the use, attempted use, or threatened use of a dangerous weapon, explosives, or fire shall be fined or imprisoned up to ten years or both, and if death results or if such acts include kidnapping or an attempt to XXXX XXXX XXXX XXXX or an attempt to commit XXXX XXXX XXXX, or an attempt to XXXX shall be subject to imprisonment for any term of years or for life or may be sentenced to death. 


I request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have not followed any legal obligation to pay you. If your offices are able to provide the proper documentation as requested If your offices fail to respond to this validation request within 30 calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.I request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. If your offices are able to provide the proper documentation as requested If your offices fail to respond to this validation request within 30 calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.

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