Consumer complaint received 2024-02-19 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: MI

Complaint narrative:
Subject : Formal Complaint Against Alleged Creditor for Violations of Consumer Rights Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX for a series of violations of various federal statutes designed to protect consumer rights. The purported violations are associated with the following laws : 15 U.S. Code 1666d - Treatment of credit balances.

Balance of the loan is owed to me.

15 U.S. Code 1638 - Transactions other than under an open-end credit plan.

Creditor not following this federal law.

15 U.S. Code 1666 - Correction of billing errors.

Creditor did not fix any errors in the time frame given.

12 CFR 1026.13 - Billing error resolution.

Creditor did not comply.

15 U.S. Code 1637 - Open end consumer credit plans.

15 U.S. Code 1692e - False or misleading representations. Creditor did not give full disclosure on all rights.

15 U.S. Code 1602 ( L ) - Definitions and rules of construction.

Creditor used my credit card to fund transaction and then loan my own credit back to me at interest.

18 U.S. Code 8 - Obligation or other security of the United States defined.

Provides proof I dont owe any debt.

31 U.S. Code 3123 - Payment of obligations and interest on the public debt.

Further proof the United States holds the obligation of all debts.

15 U.S. Code 1693o1 - Remittance transfers.

Creditor violated my right to discharge obligation with a remittance transfer.

15 U.S. Code 1679a - Definitions. 

I am asserting that XXXX XXXX has violated these laws by engaging in actions that undermine my consumer rights, including but not limited to : Willful and knowing violations of relevant statutes, as outlined in 15 U.S. Code 1611.

Mishandling of credit balances, contrary to the requirements of 15 U.S. Code 1666d.

Imposing civil liabilities in contravention of 15 U.S. Code 1640.

Engaging in transactions outside the scope of an open-end credit plan, violating 15 U.S. Code 1638.

Failing to correct billing errors per the stipulations of 15 U.S. Code 1666 and 12 CFR 1026.13.

Non-compliance with open-end consumer credit plan regulations detailed in 15 U.S. Code 1637.

Making false or misleading representations in violation of 15 U.S. Code 1692e.

Potential violations related to the definition and rules of construction, per 15 U.S. Code 1602.

Misinterpreting obligations or other security of the United States, as defined in 18 U.S. Code 8.

Failure to adhere to payment obligations and interest on the public debt, as per 31 U.S. Code 3123.

Issues related to remittance transfers, in contravention of 15 U.S. Code 1693o1.

Potential misunderstandings or misapplications of definitions outlined in 15 U.S. Code 1679a.

I never gave company consent to report any of my information nor did I receive any benefits for the use of my consumer credit card per 15 usc 1602 ( L ). 
I am seeking your assistance in thoroughly investigating these matters and ensuring that XXXX XXXX rectifies any violations promptly. Additionally, I request the imposition of appropriate penalties as allowed under the relevant laws. 

Thank you for your attention to this matter, and I trust that the Consumer Financial Protection Bureau will conduct a comprehensive investigation to safeguard my consumer rights.

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