Consumer complaint received 2024-03-07 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: IL

Complaint narrative:
Im seeking for these items to be remove or i will be seeking monetary value per violation Pursuant to 1681 ( a ) ( 1 ) The banking system is dependent upon my consumer report being fair and accurate .After taking a look at my consumer report it is definitely WRONG and UNFAIR. Unfair because I was never notified when this inaccurate information was furnished and I was never notified during your company 's initial investigation that you were going to report this information.

Pursuant to 15 usc 1681 ( a ) ( 1 ) - This grave error has undermined my confidence in your company 's procedure and as a result of this I will no longer be extending credit, and if this information is not removed I no longer want my information reported in your company 's database.

Pursuant to 15 usc 1681 ( a ) ( 2 ) your company is a powerless elaborate mechanism .This mishap that your company has caused has ruined my reputation and it has adversely affected my credit worthiness .I have been denied a job and multiple housing opportunities.!

Pursuant to 15 USC 1681 ( a ) ( 3 ) - Your company assumed this role .You were not given express permission by me, the consumer or a Competent court of jurisdiction .So, not only did you fail the initial investigation of this information .You also assumed this role, and assumed this information was valid .Which is a violation of my consumer rights.

Pursuant to 15usc1681 ( a ) ( 4 ) - You did not insure that this information is accurate and you did not exercise your grave responsibility with fair and impartiality.You took one side of the story and never consulted with me to find out if this transaction event took place .As a result of this my privacy was breached and this violated my right to privacy.

Pursuant to 15 usc 1681a ( d ) ( 2 ) ( A ) ( i ) - Congress makes it clear that a consumer report should NOT include transaction between the consumer and the person making the report.This alleged transaction that you are reporting and failed to investigate, whether or not it factually took place, can be categorized as a transaction that took place between the consumer and the person making the report .Which means it should not be included in my consumer report, and in fact is a violation of my consumer rights.

Pursuant to 15 usc 1681 ( d ) ( 2 ) ( a ) ( iii ) in your initial investigation I was never given the chance to deny this information being communicated on my consumer report which is in fact another violation and adds on to the other ways you ruined my reputation.

Pursuant to 15 usc 1681a ( b ) - Any authorization of a specific extension of credit of a credit card similar device should be excluded from my consumer report .This alleged transaction that your company clearly did not investigate is categorized as a transaction that was issued from a credit card.Credit card as defined under 15 USC 1602 ( L )

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