Consumer complaint received 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Dear XXXX, I have composed a complaint based on your furnishing of the following accounts : XXXX XXXXXXXX Account Number : XXXX XXXX  Account Number : XXXX You are reporting inaccurate information on both of these accounts, and it is tarnishing my creditworthiness. I have operated in good faith and will continue to do so despite not receiving the same gratitude. Nonetheless, I do expect Experianto demonstrate the same courtesy. Since many laws have been continuously violated regarding the inaccurate reporting of these XXXX accounts, I will educate you on some of my consumer laws you have violated numerous times. Such that, causing direct harm to me and violating the federal laws. According to 15 USC 1681a ( f ), the term consumer reporting agency means any person who, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and who uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. 
Now, did you catch that part about engaging in whole or in part? Well, I did. By the federal definition I have kindly provided, Experianis a consumer reporting agency furnishing my consumer information to third parties yet reporting information inaccurately. Furthermore, since Experianis federally categorized as a credit reporting agency under 15 USC 1681a ( f ), my written instructions as the consumer must be followed without further delay. The written instructions of the consumer trump all forms of permissible purpose. Let me reiterate, I am invoking my rights under 15 USC 1681b ( a ) ( 2 ). I am giving clear instructions to Experianimmediately DELETE these accounts in question from my credit report immediately. How are you even reporting a payment history on a charge-off account. By default a charge-off account is considered a Closed account. Furthermore, now that I have educated Experianon its proper legal role as a consumer reporting agency under 15 USC 1681i ( a ) ( 1 ) ( a ), Experianhas to launch an investigation into my dispute and disclose the results of the investigation no later than XXXX days from receipt of this complaint. Failure to launch an investigation and follow my written instruction will be willful non-compliance under 15 U.S.C. 1681n ( a ) ( 1 ) ( A ), and under this provision, I am entitled to {$1000.00} per violation. UNDER PENALTY OF PERJURY. Delete these accounts for violation of 15 US Code 1681e, failure to maintain reasonable procedures, 15 US Code 1681b ( e ) ( 6 ). FDCPA Violation of 15 US Code 1692e False and Misleading reporting. Violation of 15 US Code 1681i ( 5 ) ( A ). Deprivation of Rights 18 US Code 241. 
I am demanding my remedy for your willful noncompliance for each violation of law. 
Violation of 15 US Code 1681e- {$1000.00} Violation of 15 US Code 1681b ( e ) ( 6 ) - {$1000.00} Violation of 15 US Code 1692e - {$1000.00} Violation of 15 US Code 1681 ( 5 ) ( A ) - {$1000.00} Total Amount Due : {$4000.00} Needless to say, Experian has racked up quite a few violations. I expect my written instructions to be followed immediately! I am fed up with XXXX actions that are directly affecting my reputation and creditworthiness. I am well aware you have no legal standing in court and there are numerous counts of case law which illustrates the consumer reporting agency 's failure to maintain reasonable procedures is grounds for a suit and judgement in favor of the plantiff. I am not afraid to take legal action to cure my injury brought from you by your company. 
I am demanding that you remove this transaction from my report immediately as they are a violation of my rights as a federally protected consumer under title XXXX chapter XXXX. I understand that you are required to notify me within XXXX  days and provide me with an updated copy of my credit report. Your willful noncompliance has civil liability under 15 US Code 1681n et seq.

Let me remind Experianthat we are communicating through a government agency website. Please keep in mind what I said earlier about operating in good faith. To reiterate my demands regarding the handling of my consumer report, it is imperative that both parties operate in good faith and adhere to the legal obligations outlined in the Fair Credit Reporting Act ( FCRA ). As per my rights under 15 USC 1681b ( a ) ( 2 ), I am directing Experian to promptly and permanently delete the following account from my consumer profile as there is numerous information reporting completely inaccurately : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX This action is non-negotiable and must be completed within XXXX days. Furthermore, under 15 USC 1681i ( a ) ( 1 ) ( a ), Experianis obligated to launch an investigation into my dispute and provide the results within 30 days of receipt. Failure to comply with this requirement will result in legal action and civil penalties.

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