Consumer complaint received 2025-02-21 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: PR

Complaint narrative:
I began the year of XXXX reviewing my monthly consumer report through XXXX and XX/XX/XXXX and I noticed your company EXPERIAN is reporting EXCLUSIONS on my Consumer Report as well as line items on my Consumer Report that are legally EXCLUDED by law. Also, the reporting of Transactions or Experiences on my consumer report are unlawful and are described as EXCLUSIONS according to 15 US CODE 1681a.

As I have stated in the previous paragraph your company EXPERIAN has reported line items on my consumer report that are to be EXCLUDED by law as it is stated in 15 US CODE 1681a. FYI- Any validation or verification of the line item does not reverse or make the law 15 US CODE 1681a invalid or inapplicable. 15 US CODE 1681a - Definitions ; rules of construction section 2. Such a line item depicting my Transactions or Experiences is an injurious action to me by your company EXPERIAN. Your company EXPERIAN is reporting EXCLUSIONS on my consumer report as Potential Adverse Action, Not More Than Two Payments Past Due, Worst Delinquency and in its Older Derogatory section of my EXPERIAN Consumer Report. It is my right to pursue and collect damages up to {$1000.00} from your company ( EXPERIAN ) considering that your company is wilfully non-compliant according to 15 US CODE 1681n Civil Liability for Willful Noncompliance. This abuse by your company of my consumer report will no longer be tolerated as I am fully prepared to follow through by appearance or through legal representation to collect {$1000.00} in damages if not more. 

( a ) 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. Clearly, under the law a late payment is considered a Transaction and should not have been added to my consumer report. 

Here are the accounts by name and account number XXXX XXXX  XXXX XX/XX/XXXX, 60 DAY PAST XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, 90 DAY PAST DUE ; XX/XX/XXXX, 60 DAY PAST DUE ; XX/XX/XXXX, 90 DAY PAST DUE ; XX/XX/XXXX, 60 DAY PAST DUE ; XX/XX/XXXX, 90 DAY PAST DUE ; XX/XX/XXXX, 120 DAY PAST XXXX, XX/XX/XXXX, XX/XX/XXXX 180 DAY PAST XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 180 DAY PAST XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 180 DAY PAST XXXX, XX/XX/XXXX 180 DAY PAST XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX VOLUNTARY SURRENDER I am demanding the following EXCLUSIONS listed above as Accounts with Negative Information, Past Due, Potential Adverse Action, Not More Than Two Payments Past Due, Worst Delinquency and in its Older Derogatory section be removed immediately from my EXPERIAN Consumer Report. The laws supporting my demands are listed below are as follows : 15 US CODE 1681a - Definitions ; rules of construction Section 2 - Exclusions subsection A subsection in - reports containing information solely as to transactions or experiences between the consumer and the person making the report.

15 US CODE 6802 Obligations with the respect of disclosure of personal information : ( b ) OPT OUT ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 US CODE 1681b - Permissible purposes of consumer reports Under 15 US CODE 1681n, - Civil liability for willful noncompliance ( a ) IN GENERAL Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; as a consumer I can charge {$1000.00} for damages if you don't remove this item because it is very injurious to me. 

PLEASE DO NOT SAY THE ITEM HAS BEEN VERIFIED or VALIDATED. Either the law is applicable or not! 

Send an updated copy once the item disputed has been removed. I appreciate your immediate response and attention to this matter and corrected service of my Consumer Report.

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