Consumer complaint received 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Dear Experian please advise this is not a dispute, this is a consumer permissible request. PLEASE STOP FRAUDULENTLY LABELING MY PERMISSIBLE REQUEST AS DISPUTES I am the original secured creditor I do not dispute accounts! I give proper directions and permissible requests for you to act as an agent and correct your misleading information. 
I understand Experian is not a bureau nor is your agency backed by any government agency. I am aware that Experian is in fact a consumer reporting agency that has assumed, not given, a vital role in assembling and evaluating consumer credit and other information on consumers. 
Under these circumstances I am aware of pursuit to the FDCPA & 15 U.S. Code 1681b - Permissible purposes of consumer reports. As A Third party agency Experian must comply with my written instructions. I have given Experian my written consent and instructions to remove multiple fraudulent and misinformed Tradelines from my consumer report. 
Experian has continued to update my report with no proof of proper verification/Validation. Also the accounts are exactly the same! I will be contacting the attorney general in regards to the matter as well. There is no way a proper investigation was done within a 3 day time period to receive these fraudulent misinformed results! 
Please see attached affidavit for such fraudulent activities and all violations listed. 
15 U.S. Code 1681a ( d ) Consumer Report. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.

15 U.S. Code 1602 ( l ) My credit card was used to initiate a credit transaction.

Everything that arose from my credit card, should NOT be on my consumer report.

Under FCRA Section 623 ( a ) ( 1 ) ( A ) A person shall 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. 
Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity.

Pursuit 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I XXXX XXXX XXXX, natural person, living person is giving written instructions to to remove and cease furnishing any and all reporting activities in regards to the accounts above. 
These are the accounts that need immediate removal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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