Consumer complaint received 2024-11-30 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: MO

Complaint narrative:
On XX/XX/XXXX I XXXX XXXX XXXX submitted a online dispute through XXXX ( look at the online exhibit of proof ). On XX/XX/XXXX I received an email from XXXX stating they was done with my online dispute. For some reason they return by stating this here Account information disputed by consumer ( FCRA ) ; XXXX XXXX XXXXXXXX XXXX. Now who are you taking about is my grantor over my account when did the consumer agencies become bankers or creditors? I notice that even Experian 's has come back with this same statement. 
I should not have to tell you at that transactions and experiences are excluded from consumer reports. I have, however, since XX/XX/XXXX, been telling you to STOP reporting my transactions and experiences. You can not pick and choose which section of the Fair Credit Reporting Act you want to follow and which section you do not. 
Pursuant to section 603 ( d ) ( 2 ) ( A ) ( i ) of the Fair Credit Reporting Act, you making a report containing my transactions and experiences is a prohibited. I suspect XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and Experian are in collusion with committing securities fraud XXXX money laundering, tax evasion, and extortion. Transaction 1. Any event that causes a change in an organizations financial position or net worth, resulting from normal business activity. It is recorded on the general ledger by debit or credit tickets. 2. Advance of funds, as in a credit card cash advance, purchase of goods at a retailer, or when a borrower activates a line of credit. 3. Activities affecting a deposit account, such as a deposit of funds or a withdrawal, carried out at the request of the account holder. Every time I use my credit card to make a purchase, that purchase is recorded in the general ledger according to the Generally Accepted Accounting Principles. Every purchase I make is a transaction. Every purchase I make using my credit card raises my debt utilization. Debt utilization is the result of one or more a transaction. My credit card balances are based on the purchase of goods at a retailer. Purchases money or the advance of funds held on deposit is a transaction. My credit limit is a transaction. Activities such as a deposit or withdrawal reflect my payment history. My payment history is a transaction. Every transaction is a bank experience. My debt utilization, account balances, amounts due, due dates, and payment history are all transactions and experiences that must be excluded from my consumer report. IMMEDIATELY STOP REPORTING MY DEBT UTILIZATION, ACCOUNT BALANCES, AMOUNTS DUE, DUE DATES, ALL PAYMENTS HISTORY, AND UPDATE REFERENCED IN THIS COMPLAINT TO PAID AS AGREED. These transactions are a result of income being credited and debited from my accounts. Debt is a reflection of my income. Furthermore, I've notified you over three times about the billing dispute I've been having with the referenced in this complaint since XX/XX/XXXX. After I notified you, and dispute you continued to make reports and allow reports to be made containing prohibited information. Pursuant to section 162 ( a ) of the Fair Credit Billing Act, adverse credit reporting during a billing dispute is prohibited. So even if you were permitted to make reports using my transactions and experiences, adverse reports made during a billing dispute, to any party, is prohibited. I personally gave you notice of the billing dispute and through the CFPB complaint site I've been having with the referenced in this complaint and you still continue to create reports using the inaccurate and prohibited information given to you by the referenced in this complaint. You are also currently making reports showing my accounts which is closed. Not only is that a violation of section 603 ( d ) ( 2 ) ( A ) ( i ) of the Fair Credit Reporting act and section 162 ( a ) of The Fair Credit Billing Act, pursuant to section 161 ( d ) of The Fair Credit Billing Act, restricting or closing my account because of a billing error is also prohibited. This account was closed unlawfully, and you XXXX XXXX, Experian are allowing the furnishing and reporting of an unlawful action taken against me. I told you to remove these accounts that are referenced in this complaint until the disputes are resolved and accurate credit reporting has been established. Due to the reports your making containing this unlawful, prohibited, and inaccurate information, my name and credit has been made inequitable. My credit scores and credit ratings have dropped tremendously. This is a misrepresentation of my identity, and your misrepresentation of my identity can be considered as identity theft. I suspect you did not do a proper investigation or reinvestigation before you allowed that information furnished and reported. Even after I specified what information was inaccurate and illegal you still allowed the illegal / inaccurate information to be furnished and reported. Even after I informed you by mail and CFPB COMPLAINT of the billing dispute, you still allowed adverse credit reporting. Even after I pointed out to you exactly what information is prohibited from being furnished and reported on a consumer report, you still permitted the furnishing and reporting of said prohibited information on my consumer report. I have been sending the referenced in this complaint checks and it is has not processed any of them. I have been sending referenced in this complaint checks and it has refused them all. The referenced in this complaint closed my account, not only threatened to report my account, but it also actually does report, and continues to report my account negatively to the consumer reporting agencies. The accounts referenced in this complaint has taken the BILL along with my REMITTANCE and is now attempting to extort a cash payment from my checking account. The accounts that referenced in this complaint has taken the PROCEEDS of my REMITTANCE, which is my income, and is making reports, with Experian, XXXX and XXXX claiming that I now owe an amount equal to the income it has already stolen from me. Transactions and Experiences are a reflection of my income. XXXX is not a part of a credit report. You at Experian, XXXX have been making reports reflecting my income. You at XXXX, Experian XXXX Is/ be guilty of racketeering like activity if you do not immediately update. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these accounts to open XXXX current, paid as agreed, XXXX debt utilization, XXXX due, and no late payments or you must completely delete them from my consumer report. and Delete XXXX XXXX XXXXXXXX. I have also received an email notification from you stating that pursuant section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act, you were unable to honor my request or a portion of it. What did you not understand about telling you to update these accounts as directed or delete them ALL completely? ... It is now the CFPBs responsibility to enforce compliance in this matter and see to it that the consumer XXXX XXXX consumer reports are promptly corrected, and that XXXX XXXX is now compensated for FCRA violations in the amount of { {$1000.00} }

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 non-monetary relief