Consumer complaint received 2024-09-20 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: IL

Complaint narrative:
Experian is and has violated 18 U.S.C 894 ( a ) ( 1 ) ( 2 ) and has XXXX in fraudulent collection, of my credit collection of extensions of credit by extortionate tactics of my credit, Social Security number which is, social security fraud . Experian has XXXX with other credit collection agency , and reporting agency to wantonly, and intentionally violate my federally protected consumer rights. with XXXX, EXPERIAN, XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, XXXX SCORE, and too many companies to mention. 

In accordance with the F air Credit Reporting Agency act. The list of agency 's has violated my federally protected consumer rights to privacy and confidentially under 15 U.S.C 1681. 
XXXX Partial account # XXXX ... ... XXXX XXXX XXXX MN XXXX. A fictitious name that does not exist in XXXX. 
has violated my rights XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NV XXXX I look at Experian credit report, and recent letters IN MY CREDIT REPORT, and notice many things are incomplete and not accurate, also many discrepancies. And according to the fair credit reporting act Whenever a consumer reporting agency 's prepares a consumer report it shall follow reasonable procedure to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate information or unverified information.

( A ) In general, if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of reinvestigation : and ( ii ) promptly notify the furnisher of that information that the information has been modified oe deleted from the file consumer.

and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXXXXXX XXXX XXXXXXXX Experian XXXX under 18 USC 894 with credit reporting agencies, and committed fraud, this company was an has deliberately destroyed my credit history by, violation of 18 USC 894 EXTORTION,, financial institution fraud, by XXXX  with thief party collection agency, for financial gain. More Importantly Agency 's Fail FTC and COURT findings without Qualifications, The Dispute procedures use by credit procedures used by the credit reporting agency 's uniform used completely FAIL TO COMPLY WITH THE FAIR CREDIT REPORTING ACT. Courts have found, Its not even a close call, Say OHIO Attorney General XXXX XXXX and agreed on XXXX XXXX Televison show interview as a whistle blower, and to inform the Public, so this is a pattern and practice, by Experian. 

THIS IS A PUBLIC COMMUNICATION TO ALL -NOTICE TO AGENTS IS NOTICE TO PRINCIPLES NOTICE TO PRINCIPLES IS NOTICE TO AGENT 'S APPLICATIONS TO ALL SUCCESSORS AND ASSIGNS ALL ARE WITHOUT EXSCUSE, Ignorance of the law is no excuse

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