Consumer complaint received 2025-03-07 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: GA

Complaint narrative:
Dear CFPB, I am reaching put to you because I copied the letter that I sent to Experian regarding the accounts presented in the email. I need these accounts removed because either the information being provided is fraudulent or the account is reporting frivolous information. However, the credit bureau acts like it doesn't understand this. I am homeless right now and I have no transportation. I want to be in my car. I appreciate everything that you are doing for me. CFPB I need your assistance please. 

Good Morning Experian, I am reaching out to you because I have an issue with certain accounts still being present on my Equifax credit report. I do not know why these accounts are still being reported when they have not provided the necessary documents like a physical signed contract that shows that I agreed to do business with their company. Equifax also has not provided this information to me. I am exercising my ability to preserve my rights under the Uniform Commercial Code 11-1-308 and USC 1-308. The codes states UCC 1-308 is a Uniform Commercial Code ( UCC ) section that states that a party can perform or accept an agreement while reserving their rights. This means that the party will not give up their rights if they perform in a way that the other party demands.

My social security number belongs to the social security administration and anything purchased with this identifier number is an obligation of the United States 18 USC 8 means that anyone attempting to collect a debt from me is guilty of the false claims act ( FCA ), 31 U.S.C. 3729. The following accounts fall into this category : 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 Basically, you need to understand that the above referenced creditors are not reporting the account information correctly. Once again the following acts are being violated the Fair Credit Reporting Act and the Consumer Law Act.

I am also referencing 15 USC 6802 and 15 USC 6801 for charge offs.

I am referencing 15 USC 1692g and 15 USC 1692 c ( c ) for collections.

I am referencing UCC $ 2-302 which is used to remove any negative items like collections, medical debt, student loans, charge offs, and late payments from your credit report whether you owe the debt or not, it can be removed.

I am asking that Experian not violate these rules or regulations as you have been found guilty by the Consumer Financial Protection Bureau of violating laws pertaining to the False claims act yourself. In other words, there should not be any derogatory accounts reporting on my credit report. 


Sincerely, 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