Consumer complaint received 2024-03-22 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: FL

Complaint narrative:
I am in complete discussed due to being a victim of the XXXX recent data breach. Not only have I been violated my rights as a consumer on multiple occasions have now placed me in a situation where all personal information is completely exposed to XXXX knows where, and XXXX knows who! On XXXX XXXX, I sent a dispute letter, requesting XXXX last time to please send verification/documentation pertaining to all XXXX XXXX XXXX XXXX accounts , and XXXX account. I have received no such documentation once again! Or no indication that you have even attempted to look into my recent certified letter sent Previously on other disputes you state the accounts are verified and reported correctly but you still have not identified who in your company verified the accuracy of these accounts and how they verify them. as previously pointed out to you, XXXX law, dictionary six edition, XXXX defines VERIFICATION as Confirmation of correctness, truth, or authenticity, affidavit, oath, or deposition. affidavit of truth of a matter, stated, and object of verification is to assure good faith in averments or statements of a party. What that means is that your company MUST be willing and able to produce a document that proves the accounts and dispute, belong to me, and the information being reported is accurate, and you must be able to do this in the court of law. Your failure to provide me with verifiable proof required for your company to post the accounts, as mentioned above is evidence that. DOES NOT EXIST, AND THEREFORE IS PROOF THAT YOU CAN NOT PROPERLY VERIFY the accuracy of any of the disputed accounts. Please be advised that under section 611 ( 5 ) ( A ) of the FCRA you are required to promptly delete all information which can not be verified! LET ME MAKE THIS PERFECTLY CLEAR. THIS IS NOT ANOTHER ATTEMPT FOR VERIFICATION YOU HAD 30 days to provide this and you failed to perform your legal duty! I have previously mentioned that these accounts are 1099C in according to the IRS 1099C is considered income which DOES NOT REPORT ON THE CONSUMER REPORT. IT IS ILLEGAL FOR AN ACCOUNT THAT HAS ALREADY BEEN PAID TO STILL TRY TO COLLECT. I AM CURRENTLY OUT A 3949 A FORM AND A 211 FORM TO THE IRS FOR ALL PARTIES INVOLVED! I also pointed out that 15 USC 6802 obligations with respect to disclosure of personal information has been violated balances account numbers are all violations of my privacy charged off account. Do not report past due balances on a monthly basis, nor does the amount increase on a monthly basis, on an account that is dead/dormant. This is a major violation, which makes it illegal according to section 623 15 USC 1681s ( 5 ) duty to provide notice of delinquency on the account ( A ) in general : furnishers notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of delinquency on the account! This means that the month and the year of the charge off should be reported one time not multiple months for as long as a furniture or a reporting agency feels. allowing this is not an accurate it is a violation and also against the law. There is no consistencies in information with all three reporting agencies which report differently. This also is inaccurate. According to 15 USC 1666b timing of payment ( a ) time to make payments-a creditor may NOT treat a payment on a credit card account under an open end, consumer credit plan as late for any purpose, according to 15 USC b-permissible purpose of consumer report was never given, according to 15 USC 1681eb maximum accuracy shall be reported, which you are not doing! Also, according to 15 USC 1681 ( a ) definitions ; rules of construction ( 2 ) exclusions- consumer report DOES NOT INCLUDE- ( a ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report, the above account mentioned our transactions and experiences why are they on the consumer report but you claim accuracy! XXXX XXXX XXXX description of reinvestigation procedure within 15 days has also been a violation that I have previously disputed. DUE TO YOUR CONTINUED WILLFUL DISREGARD OF THE LAW I INTEND TO PURSUE LITIGATION IN ACCORDANCE WITH THE FCRA TO SEEK RELIEF AND RECOVER ALL MONETARY DAMAGES THAT I MAY BE ENTITLED TO UNDER SECTION 616, AND SECTION 617 IF THE ITEMS ARE NOT PROMPTLY DELETED WITHIN 10 DAYS! All copies of previous dispute letters sent to you certified mail with proof of delivery will also become part of Evidence and pending litigation provided you failed to comply with this offer of settlement. The law is very clear as to Civil Liability and the remedy available to me ( section 616 & 617 ) if you failed to comply with federal law. I AM A LITIGIOUS, CONSUMER, AND FULLY INTENDED ON PURSUING LITIGATION IN THIS MATTER TO ENFORCE MY RIGHTS UNDER THE FCRA.On deletion of the above accounts mentioned provide me with a copy of an updated consumer report, showing these accounts have been promptly deleted! ID and water bill is attached below

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