Consumer complaint received 2024-11-19 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: MS

Complaint narrative:
XXXX XXXX XXXX  ( XXXX ), Experian, and XXXX employees, agents, Officers, successors and assigned and all other similarly situated Jointly and severally acting on behalf of XXXX, Experian, and XXXX hereinafter collectively referred to as XXXX, Experian, and XXXX has violated Federal Law, the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681n Civil Liability for willful noncompliance and 1681b and section titled Permissible purpose of consumer report ( federal law violation ) by placing derogatory remarks, negative activity/items, and UNVERIFIED information on my consumer file which is a violation of federal law and the FCRA. XXXX, Experian, and XXXX has also violated 15 U.S. Code 1 by way of Restraint of Trade and Commerce by providing various companies that I the Consumer, Natural Person and original creditor attempted to conduct consumer transactions with false and misleading Unverified information that had a negative impact resulting in an undesirable outcome on my consumer transactions with various companies causing restraint of trade as aforementioned above. The Said Conduct by XXXX, Experian, and XXXX has caused me to suffer severe humiliation, embarrassment, emotional distress, mental anguish and physical discomfort, and denied me my right to extend credit and conduct consumer credit transactions as a original creditor pursuant to 15 U.S. Code 1692c ) ( c ) ( 2 ), 1692 ( a ) which is a restraint of trade and commerce pursuant to 15 U.S. Code 1 Trusts, etc., in restraint of trade illegal ; Every contract, combination in the form of trust or otherwise, or conspiracy, in restraint of trade or commerce among the several States, or with foreign nations, is declared to be illegal. Every person who shall make any contract or engage in any combination or conspiracy hereby declared to be illegal shall be deemed guilty of a felony, and, on conviction thereof, shall be punished by fine not exceeding {>= $1,000,000} if a corporation, or, if any other person, {>= $1,000,000}, or by imprisonment not exceeding 10 years, or by both said punishments, in the discretion of the court. I, XXXX XXXX XXXX, consumer/trustee of XXXX XXXX XXXX , natural person and Original Creditor am INVOKING MY SPECIAL REMEDY as CONSUMER, Natural Person pursuant to but limited to : 15 U.S. Code 1681n - 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; in accordance with Trustee/Consumer/Natural Person for XXXX XXXX XXXX directions pursuant to 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 : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

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