Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was looking over my consumer report and Experian has not done a proper investigation into the problem they just come back and say its been verified which is a lie USC 1681 I ( a ) 1USC I ( a ) 6b3 and USC 1681 I ( a ) 5b once again its some other person violating the laws the Social Security number belongs to the XXXX and anything purchased with that identifier number is in obligation of the XXXX XXXX  XXXX XXXX. Means that anyone attempting to collect a debt from me is guilty of the false claims act [ FCA ] 31 USC 3729. 12 USC 1431 banks cant loan money because theyre the borrowers. 42USC 408 asking for my social security number on any credit transactions or loans is against the law because there is no lawful money this is a crime. 15 USC 1602 I am the original creditor. 18 U.S.C. 894 is a federal statute that prohibits the use of extortionate means to collect credit extensions. It states that anyone who knowingly uses or conspires to use extortionate means to collect or attempt to collect an extension of credit, or to punish nonrepayment, can be fined or imprisoned for up to XXXX  years. 15 USC 1602 states I am the original creditor 15 USC finance charge shall be the sum of all charges, if it isnt its a violation. 31 U.S. Code 3123, also known as " Payment of obligations and interest on the public debt '', is a section of the XXXX XXXX  XXXX that covers how the government pays interest and obligations on its public debt. It is part of XXXX XXXX, which covers money and finance, and XXXX XXXX, which covers financial management. The section was dated XXXX and went into effect on XX/XX/XXXX, XXXX12 U.S.C. 83, also known as " Loans by bank on its own stock '', is a section of the XXXX XXXX XXXX that generally prohibits national banks from making loans or purchasing their own stock as security. However, there are some exceptions, such as when a bank acquires stock to prevent a loss on a debt it previously contracted in good faith. If a bank does acquire stock in this way, it must dispose of it within XXXX XXXX15 USC 1681n of the Fair Credit Reporting Act ( FCRA ) covers civil liability for willful noncompliance with consumer credit reporting agencies ( CRAs ). The FCRA was enacted in XXXX to promote the accuracy, fairness, and privacy of consumer reporting information. 15 U.S. Code 1681o - XXXX liability for negligent noncompliance. in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorney 's fees as determined by the court. 15 U.S.C. 1681e ( b ) is a section of the Fair Credit Reporting Act ( FCRA ) that requires consumer reporting agencies ( CRAs ) to follow reasonable procedures to ensure the accuracy of consumer reports.This includes having policies and procedures in place before a dispute or investigation is requested. its open reaging the account XXXX XXXX XXXX account number XXXX amount {$1200.00} opened XXXX XXXX and saying they are the original creditor which are fraudulent contracts and or statements.I asked them to investigate XXXX XXXXXXXX XXXX XXXXXXXX and XXXX XXXX {$33.00} with a shared account number of XXXX they changed the amount but havent told me why or whats going on these accounts shouldnt be on my consumer report.

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