Consumer complaint received 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Subject : Notice of Violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 6802, and Related Claims To Whom It May Concern : This letter serves as formal notice that Experian is in violation of the Fair Credit Reporting Act ( FCRA ) by knowingly and willfully reporting inaccurate and incomplete information on my credit report. This reporting has caused me harm, damage, and injury, both financially and reputationally. Despite my efforts to bring these inaccuracies to your attention on multiple occasions, your continued reporting of false and misleading information constitutes willful negligence. 

Violations of the Fair Credit Reporting Act ( FCRA ) Under the FCRA, credit reporting agencies are required to maintain accurate and complete records. By continuing to report inaccurate information despite my disputes, you are in breach of your obligations under this law. Your false claims that the " account has been verified '' without providing any documentary evidence further demonstrate your failure to conduct reasonable investigations as required under 15 U.S.C. 1681i ( a ).

Violation of 15 U.S.C. 6802 Additionally, you are in violation of 15 U.S.C. 6802, which provides me the right to opt out of having my private data and intellectual property shared without my consent. Your unauthorized possession, use, and dissemination of my personal and private information constitute a violation of my rights under this law.

Grounds for Identity Theft You have no authorization or consentwhether written or otherwiseto use or possess my private data and intellectual property without just compensation to me. By continuing to act without such authorization, your actions constitute grounds for identity theft, and I demand that you immediately cease all such activity.

Fifth Amendment Takings Clause By misusing my private intellectual property for your benefit, you are in violation of the Fifth Amendment Takings Clause. Your actions amount to unjust enrichment, as you are deriving public gain from the harm, damage, and injury caused to me. I demand immediate compensation for these violations.

Erroneous Reporting of Charged-Off Accounts Regarding the charged-off accounts you are reporting, I have not received an IRS Form 1099-C from the alleged data furnishers. Without this evidence, the reporting of the charge-off is false, misleading, and without basis. Furthermore, your continued reporting of this erroneous trade-line has defamed my character and caused significant harm.

The statement that the " account has been verified '' is also false and misleading, as you have provided no documentary evidence to support this claim. I demand that all reporting of these charged-off accounts be deleted immediately to remedy your inaccuracies and incompleteness.

Fee Schedule for Violations Be advised that I am seeking compensation for these violations at the following rates, which are cumulative : {$1000.00} per violation of the FCRA, 15 U.S.C. 1681 et seq.

{$2500.00} per unauthorized use or dissemination of my private data under 15 U.S.C. 6802.

{$5000.00} per act of defamation resulting from your false reporting.

Supporting Case Law To substantiate my claims, I reference the following : Spokeo, Inc. v. Robins, 136 S. Ct. 1540 ( 2016 ) : Establishing the requirement for accuracy in reporting under the FCRA.

Safeco Ins. Co. of Am. v. Burr, 551 U.S. 47 ( 2007 ) : Addressing willful violations of the FCRA.

FTC v. Accusearch Inc., 570 F.3d 1187 ( 10th Cir. 2009 ) : Unauthorized dissemination of private data.

Immediate Actions Demanded Immediately delete all inaccurate and incomplete information from my credit report.

Provide written confirmation that the deletions have been completed.

Cease all unauthorized use and possession of my private data and intellectual property.

Immediately compensate me for harm, damage, and injury caused by your actions.

Failure to comply within 15 days of receipt of this letter will leave me no choice but to pursue all available legal remedies.

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