Consumer complaint received 2024-03-01 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: NV

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, AMONG OTHERS. XXXX  XXXX  IS THE BANK THEY TRICK YOU INTO USING! This bank is owned by XXXX XXXX XXXX and the other companies listed above. XXXX is listed under XXXX XXXX. Cutting to the point XXXX  and ALL OF THEIR EMPLOYES, and i mean all of them will harass you and call at inappropriate times of the morning and night. 

My biggest problem is ; I was in a motorcycle accident where i was rear-ended from behind at a stop light and was almost dead, shortly after being released after almost 2 months, ( and mind you i stayed current up until my first release, even hospitalized with a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) after they keep demanding payment but while i was in the hospital with XXXX XXXX XXXX and a XXXX after being released the first time they had blocked access to my online account ( for what I've tracked and logged for over a month now. ) to this day i am writing this even, i still have the vehicle and i still can not make a payment due to this, and just today alone i received OVER 78 PHONE CALLS AFTER DOING A REVERSE LOOK UP FROM EVERY SINGLE ONE OF THEIR EMPLOYEES PERSONAL LINES, AND EVEN COMPANIES THAT ARE XXXX AND NOT THE BANK THEMSELVES. 


Additionally After opting out ( i have attached the letter to this complaint that was sent so i made it when i got used of my hands and brain again! 

As per the USC codes, i took the liberty of stating, only regarding the Second part of this complaint. That being after sending a certified letter Opting-out. XXXX  XXXX is in direct and in-direct violation as well as Breach of contract. 

*****The USC Codes state under15 U.S. Code 1681b - Permissible purposes of consumer reports ( c ) Reasonable procedures to ensure compliance No person shall be held liable for any violation of this section if he shows by a preponderance of the evidence that at the time of the alleged violation, he maintained reasonable procedures to assure compliance with the provisions of this section.

( f ) Certain use or obtaining of information prohibited A person shall not use or obtain a consumer report for any purpose unless ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section; and ( 2 ) the purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification.

ATTACHED IS THE COPY OF THE INITFINDINGS THEY HAD LOCKED ME OUT STILL AFTER A MONTH OF BEING IN A XXXX  IN THE HOSPITAL, STILL HARRASSING ME. WHEN I GOT TO MY PHONE I HAD OVER 500 EMAILS AND AN OUTSTAND 789 CALLS. BARE IN MIND MY WIFE WAS IN DIRECT CONTACT WITH THEM AS WELL BEGGING TO NOT REPORT A LATE PAYMENT AS I AM STILL IN THE MIDLE OF GETTING A MORTGAGE LOAN BECAUSE THEY INTENTIONALLY REPORTED A FALSE MISSED PAYMET IN XXXX, THUS MAKING ME GET DENIED MY MORTGAGE ***LOOSING THE HOME I WAS IN AT THE TIME BECAUSE THE LEASE WAS UP, PUTTING MYSE XXXX XXXX  MY XXXX BABY GIRLS ALL UNDER THE AGE OF XXXX WITH XXXX OF THEM BEING XXXX AND 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 non-monetary relief