Consumer complaint received 2024-11-27 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: GA

Complaint narrative:
Re : Notice of Intent to Sue in Accordance with Arbitration Clause in Terms and Conditions Dear Experian Legal Department, This letter serves as formal notice of my intent to pursue arbitration against Experian Information Solutions , Inc., as permitted under the arbitration provision in your Terms and Conditions. This notice provides an opportunity to resolve this matter without the need for legal action.

After reviewing my consumer report, I have identified significant violations of federal law, including : 1. 15 U.S.C. 1681e ( b ) : Experian has failed to maintain reasonable procedures to ensure the accuracy of the information in my consumer report. Both a bankruptcy and a charge-off XXXX XXXX account are being reported without permissible purpose. 

2. 15 U.S.C. 1681i ( a ) : Experian has repeatedly verified the XXXX XXXX charge-off as accurate despite IRS guidelines stating that charge-offs are considered income, requiring issuance of a 1099-C. Reporting this account as a debt is unlawful under 12 C.F.R. 1022.1 ( c ).

3. 15 U.S.C. 1681b : Experian has unlawfully allowed multiple unauthorized inquiries, violating permissible purpose requirements. These include : XXXX inquiries from XXXX XXXX ( despite XXXX XXXX not pulling from Experian ) XXXX inquiry from XXXX XXXX XXXX inquiry from XXXX XXXX XXXX XXXX, which mandates verification of personal information ( yet my credit was accessed without such verification ). 
XXXX inquiry from XXXX XXXX XXXX inquiries from XXXX XXXX inquiry from XXXX XXXX XXXX XXXX inquiries from XXXX XXXX XXXX. XXXX5 U.S.C. 1666b : Experian has refused to remove late payments associated with the XXXXXXXX XXXX  account, despite evidence supporting that these payments were disputed in a timely manner and are inaccurate.

5. 15 U.S.C. 1681i ( a ) : Experian has refused to remove two additional names from my consumer report, even after I provided written instructions for the company to remove them.

6. 18 U.S.C. 1028A : The unauthorized inquiries listed above constitute aggravated identity theft, as federal law does not differentiate between hard and soft inquiries regarding permissible use. 

The bankruptcy in question was unlawfully obtained from XXXX without my consent. Despite my submission of a letter from the bankruptcy court confirming that it does not report to consumer reporting agencies, and a cease and desist to XXXX, Experian continues to report this information. 

To resolve this matter and avoid arbitration, I demand the following remedies : 1. Immediate removal of the bankruptcy, XXXX XXXX account, XXXXXXXX XXXX late payments, and the XXXX additional names from my consumer report.

2. Written confirmation of corrective actions, along with an updated copy of my consumer report.

3. Monetary damages in the amount of {$100000.00} for violations of consumer law.

4. Additional damages of {$280000.00} per 15 U.S.C. 1681n for willful noncompliance in relation to unauthorized promotional pulls.

5. Reimbursement of any legal fees incurred during this process.

Furthermore, I will report Experian to the IRS for collusion with XXXX XXXXXXXX to commit tax fraud and to the FTC for deceptive business practices. 

Please respond within 15 days from the date of this letter per 15 U.S.C. 1681i. Failure to address these issues will result in my filing an arbitration claim to seek appropriate remedies under applicable laws.

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