Consumer complaint received 2024-04-18 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: AL

Complaint narrative:
I, XXXX XXXX, never gave your company any verb

al or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 15 USC 1681c-2 is specifically clear on what a consumer reporting agency must do regarding an alleged identity. 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. Why do you keep furnishing information on my consumer that is part of an alleged identity identity theft. I have sent you all required documentation that is needed to satisfy the section. The law is very clear on what needs to be done. Congress states 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I have not given you written permission to put anything on my credit profile 15 USC 1681b2. I AM A LITIGIOUS CONSUMER I WILL NOT HESITATE TO TAKE LEGAL ACTION AGAINST your company You also do not have any permissible purpose to furnish my personal information to any third party. 15 USC 1681b Permissible purpose of consumer reports IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates I refuse to pay these alleged debts. Cease and Desist all collections activity regarding these alleged debts and PROMPTLY Delete it from all consumer reporting agencies that you have reported this inaccurate, incomplete, erroneous and misleading information to at once. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. You and your inaccurate reporting have damaged my livelihood. 15 USC 1681 s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 USC 1681 s-2 Says you are a furnisher of information to a consumer reporting agency.You ARE PROHIBITED BY LAW to furnish inaccurate information 15 USC 1681 s-2 ( a ) ( 1 ) ( A ) ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. In conclusion I have shown you and you have been put on notice that you are reporting inaccurate information. The information is, in fact, inaccurate. The continued reporting of this inaccurate information is a clear violation of the Law 15 USC 1681 s-2 of your responsibilities as a furnisher of information. You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE This Erroneous, inaccurate accounts from my Consumer report. YOU HAVE 10 Calendar days to DELETE THESE ACCOUNTS FROM MY CONSUMER REPORTS! or I will take legal action for consumer law violation under 15 USC 1681 n, 15 USC 1681 o and 15 USC 1692k. DELETE THE FOLLOWING ACCOUNT/S FROM YOUR RECORDS AND ALL CONSUMER REPORTING AGENCIES
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Account name Acct # XXXX XXXX XXXX XXXX Failure to respond satisfactorily with deletion of the above referenced accounts, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Re : Remove Inaccurate Late Payments Dear XXXX, XXXX, Experian Attention- XXXX XXXX XXXX I, XXXX XXXX , a consumer, have recently received a copy of my consumer report dated XXXX and I am frustrated to have found so many inaccurate accounts being furnished in error. Pursuant to 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open- end consumer credit plan as late for any purpose. So please tell me why any late payment is being reflected on any account on my consumer report.

Congress has noted that the consumer credit reporting agencies are not backed by any government agency and is simply an elaborate mechanism developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. Congress has also made it clear that XXXX, XXXX, Experianhave assumed a vital role in assembling and evaluating consumer credit and other information on consumers pursuant to 15 USC 1681.

Because of your constant neglect to appropriately carry out your job, it is costing me by ruining my consumer report. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my credit report and I demand that you provide me with concrete evidence and all documentation proving that I am or have ever been late. I've already contacted the creditor to correct this inaccurate information but it is my understanding that you will recheck these items with the creditor who has posted them.

Per Congress, there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartially towards me because you furnished inaccurate information, defaming my character and reputation, with no proof.

Congress establishes that the purpose of the fair credit reporting act requires consumer reporting agencies to adopt reasonable procedures for meeting needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer. Late payments being reported on my consumer report is neither fair or equitable to me.

Not to Mention, I never gave you, or anyone of the creditors any written instructions to furnish any information on my consumer report which is a violation of 15 USC 1681b as well as 15 USC1681a ( d ) ( 2 ) ( a ) ( i ) because information solely as to transactions or experiences between the consumer and the person making the report should be excluded from a consumer report so you have no authority to furnish this information. XXXX, XXXX, Experian have caused severe stress and anxiety abusive and unfair practices. 

Please remove any information that the creditor can not verify. I understand that under 15 USC sec 1681 ( i ) ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. I DO NOT CONSENT TO THE USE OF E-OSCAR AS A METHOD OF VERIFICATION!

Notice of Acknowledgment Upon The Receipt of this notice, you are hereby notified pursuant to UCC 1-202f.

Your Prompt attention and response are both requested and required. 

Kind Regards XXXX XXXX Without Prejudice, All Natural Inalienable Rights Reserved

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