Consumer complaint received 2024-02-11 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: OK

Complaint narrative:
EXPERIAN XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, these are corporations and corporations can not speak, I'm so tired of these agencies sending out response and no one to address back to. So any response that is made is not accepted without a agent name. 

Experian XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX is obligated by FCRA to report accurate accounting and liable under the SEC to follow certain rules to the consumer/investor to the LAW to remove such items. FTC XXXX theft report was filed on behalf of me ( consumer ). 

I am now requesting Experian XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX to provide the documentation used to determine inquiries and accounts was indeed authorized by me the consumer. 

I have sent and called to Experian XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX disputes about these accounts and inquiries which I sent copies with this compliant which is highlighted right along with copies of my consumer reports showing that these fraudulent accounts and inquiries never been removed after I reported them in my dispute I got no respond from any disputes are personal information corrections. 

12 CFR 1022.3 Definitions - Identity theft means a fraud committed or attempted using the identifying information of another person without authority. Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

No adverse item besides the conviction of crimes should be on your report any item that is a derogatory mark is not allowed into consumer reports this is another violation. ( I added the highlighted items of the copies am sending with my consumer report highlighted with the items that need to be deleted ) without my written consent that's a violation. Took a look at my report after I sent my first dispute out on XX/XX/2024 I see Experian XXXX solutions, XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX was still reporting these accounts. 

According to 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports.

Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

No adverse item besides the conviction of crimes should be on your report any item that is a derogatory mark is not allowed into consumer reports this is another violation.

15 U.S. Code 1681e - Compliance procedures ( a ) Identity and purposes of credit users. Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title.

( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

By violating section 1681b for permissible purpose and 1681c for information contained in consumer reports they are also violating compliance procedures under this title.

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 ( 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 ; Experian Information solutions, XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature, I'm the consumer is NOT asking for an e-oscar report and send ALL correspondences through the United States Post Office if Experian XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX does not have documentation to show these were in fact authorized it must be deleted ASAP

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