Consumer complaint received 2021-08-15 00:00:00
Product: Credit reporting, credit repair services, 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: CA

Complaint narrative:
It has come to my attention that Experian, Consumer Reporting Agency as defined according to 15 USC 1681a ( d ), ( 1 ) and 15 USC 1692b ( 5 ) has violated my rights as a consumer according to Title 15 Chapter 41 subsection 15 USC 1681, Fair Credit Reporting Act and 15 USC 1692, Fair Debt Collection Practices Act by misinforming me about my consumer report, my credit, invading my privacy by furnishing abusive and unfair information on my consumer report without my written consent which is identity theft to the natural person, consumer & original creditor. 

On XX/XX/2021, I have provided Experian with a cease and desist notice which XXXX XXXX signed off via certified mail and a return green receipt which serves as documentation that I am disputing the validity of the information furnished on my consumer report according to 15 USC 1681b ( a ) and that this consumer reporting agency furnished NEGATIVE information on my consumer report without my written consent and continues to commit identity theft against the natural person, consumer, and original creditor. I have also filed an identity theft report with the Federal Trade Commission on XXXX Experian has continued to use obscene and profane language on my consumer report according to 15 USC 1692d ( 2 ) by displaying on my consumers report that I owed debt on an alleged past due balance or had an alleged charged-off account, while each negative account displays a positive balance which is misleading and deceptive according to 15 USC 1692e ( 2 ), ( a ), ( b ), ( 7 ) and serves as proof Experian is destroying my character, credibility, and creditworthiness. These actions have resulted in my inability to extend myself credit for personal and household purposes and the loss of employment due to the negative information illegally being furnished in my name by Experian and displaying unauthorized information according to 15 USC 1602p and 18 USC 1028a ( 5 ). 

Within my cease and desist, I have clearly informed Experian of the consequences of the failure to comply with my cease and desist demands that will result in legal judgment being brought on Experian. Accordingly, and informing Experian that their actions may be held criminally liable according to 15 USC 1611 and civilly liable according to 15 USC 1640 and 15 USC 1692k.

After contacting Experian over the phone, Experian 's rep told me that the Fair Credit Reporting Act and the Fair Debt Collection Practices Act have no jurisdiction, and Experian is not obligated to adhere to those laws. Therefore, if I have an issue, I would have to speak with someone above them.

So here I am speaking to one of Experian 's bosses. 

I'm aware that this person was ignorant of federal law, but ignorance of the law is no excuse ; I am here to enforce my rights. 

All exhibits and documentation that I sent to Experian have been sent via certified mail along with this complaint to the CFPB. 

And litigation will follow if my demands are not met.

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