Consumer complaint received 2024-05-03 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: TX

Complaint narrative:
On XX/XX/XXXX I disputed a late payment with the for-profit Consumer Reporting XXXX EXPERIAN and XXXX for their inaccurate reporting and violation of my consumer rights for the trade lines XXXX XXXX XXXXXXXX XXXX XXXX for the amount of XXXX highest balance [ XXXX monthly ] and XXXX XXXX XXXX highest balance [ XXXX monthly ] I also disputed the alleged debt and asked for Validation of the debt from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX has thus far refused to send me proof by written correspondence of validation but instead ignored my request all together and XXXX XXXX has not responded at all in over a month. 
EXPERIAN and XXXX I believe are willfully refusing to follow the law for late payments Per 15 USC 1666b-timing of payments, 15 USC 1681i , and 15 USC 1681e as the trade lines in question was acquired with a credit card per 15 USC 1602 ( l ). This violation of my consumer rights is injurious to me and in conflict with 15 USC 1681. I believe this is proof of willful negligence per 15 USC 1681n. Furthermore, I decided to opt out of EXPERIAN and XXXX reporting information on my consumer report without my written consent per 15 USC 1681b Permissible Purpose due to them violating my rights and injuring my credit worthiness with inaccurate reporting. After continued violation of my consumer rights by EXPERIAN and XXXX and seeing how the inaccurate reporting injured my credit worthiness on my consumer credit report to I felt forced to make a decision to opt out of EXPERIAN and XXXX reporting any information at all on the trade lines mentioned above per 16 CFR 313.7 ( f ) Continuing right to opt out, in hopes of resolving the issue in whole. EXPERIAN and XXXX willfully ignored my requests and still continued to violate my consumer rights and operate Ultra Vires. 
I also included this correspondence below in my dispute. 
Per the FCRA as a federally protected consumer I am now opting out of any and all authorization i the consumer may have given you written non written, verbal and nonverbal per 15 usc 6802. Per 15 USC 1681n I am entitled to {$1000.00} per violation. 
These for profit Reporting Agencies EXPERIAN and XXXX have trespassed on the provisions of the FCRA and I the consumer am injured by their willful negligence. Per 15 USC 1681s-2 these consumer reporting agencies failed to in good faith investigate my dispute fairly and impartially due to their profitable interest. This inaccurate reporting is also a violation of my privacy per the Privacy Act of 1974. I never gave my written consent and if I unknowingly did I revoked it as stated above. Furthermore, I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX I May Presume that no proof of the alleged debt in fact exists refer to 18 USC 8.

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