Consumer complaint received 2024-10-23 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: MA

Complaint narrative:
Subject : Final Warning TO COMPLAIN TO THE EXPERIAN for Immediate Removal of All Accounts Associated with Bankruptcy Record Due to FCRA and TILA Violations. BANKRUPTCY CHARTER XXXX REFERENCE # XXXX Dear Sir/Madam, THIS COMPLAINT IS BECAUSE EXPERIAN IS CAUSING BIG DAMAGE TO MY FINANCIAL LIVE AND IS VIOLATING MY RIGHT to address the continued presence of the bankruptcy record and all associated accounts on my credit report despite previous disputes and verification attempts, I SEND THE LETTER XXXX ( XX/XX/XXXX ), and you fail the investigation AFTER I SEND THE LETTER XXXX ( XX/XX/XXXX ) REQUERING HOW THEY MAKE INVESTIGATION AND THEY DONT SEND ANY PROOF and The verification provided by your agency has failed to meet the requirements set forth under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). This letter serves as a final warning for the immediate removal of all accounts related to this bankruptcy record, INCLUDED THE BANKRUPTY ACCOUNT ( NUMBER ). 
*Reasons for Removal : * 1. *Violation of the Fair Credit Reporting Act ( FCRA ) : * - *15 U.S.C. 1681i - Investigation Requirements : * Your verification response did not include a sufficient description of the investigation process, as required by the FCRA. You failed to adhere to the obligation to provide a thorough and detailed account of the steps taken to verify the information.

- *15 U.S.C. 1681b ( 2 ) - Permissible Purposes : * The information provided did not comply with the permissible purposes outlined in the FCRA. The verification process failed to meet the established standards for handling and reporting information.

- *15 U.S.C. 1681a ( 4 ) - Privacy Rights : * The continued inclusion of this bankruptcy record and associated accounts infringes upon my privacy rights. The failure to follow appropriate procedures for handling sensitive information constitutes a violation of this section.

I request that you immediately delete this unverified account. Per the FCRA 623 ( a ) ( 5 ) : " If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file '' and based in the Federal Credit Reporting Act Additionally, I am invoking 15 U.S.C. 609 ( a ) ( 1 ) ( a ) and 15 U.S.C. 609 ( a ) ( 2 ) to request the removal of this bankruptcy record and to demand proof of its verification. Section According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

2. *Violation of the Truth in Lending Act ( TILA ) : * - *Disclosure Requirements : * The TILA mandates that creditors and credit reporting agencies provide accurate and timely disclosures regarding credit terms and the status of accounts. Your agencys failure to provide clear and accurate information, including proper validation and verification of the bankruptcy record, constitutes a breach of these requirements.

All of these violations are a direct violation of 15USC1681. No consent is identity theft and these violations are Aggravated Identity theft, pursuant to 18USC1028b ( 1 ) ( A ) ( ii ). You have knowingly transferred, possessed and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability. 

*Request for Action : * Given these violations, I demand the immediate removal of all accounts associated with the bankruptcy record from my credit report. This includes, but is not limited to, any and all accounts, judgments, and public records listed under this bankruptcy. Failure to comply with this request within 15 days of receiving this letter will leave me no choice but to escalate the matter further. This will include : DELETE INMEDIATLY FOR VIOLATION TO THE Violation of the Fair Credit Reporting Act ( FCRA ) and Violation of the Truth in Lending Act ( TILA ) : Bankruptcy Account Number : [ XXXX ] Date of Bankruptcy : [ XX/XX/XXXX ] COURT : XXXX XXXX XXXX  MA XXXX Additionally, the following accounts were included in the bankruptcy : XXXX  XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Attach. The PROOF : - Filing formal complaints with the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ). 
- Pursuing legal action for the breach of my rights under the FCRA and TILA. 

This letter serves as your final opportunity to rectify this situation. Please take the necessary steps to ensure the removal of all related accounts and provide written confirmation of their removal within the specified timeframe. 


Thank you for your prompt attention to this matter. I look forward to your immediate response and resolution. ATTAHC IS THE AFFIDAVIT AND THE CREDITOR ORIGINAL TO THE INFORMATION SAID DONT SEND ANY INFORMATION TO THE EXPERIAN , IS VERY INNACURATE AND UNVERIFIED THIS INFORMATION IN MY REPORT, ONLY EXPERIAN SAID IS VERIFIED THAT A VIOLATION I request that you immediately delete this unverified account. Per the FCRA 623 ( a ) ( 5 ) : " If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file '' and based in the Federal Credit Reporting Act

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