Consumer complaint received 2024-04-24 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: LA

Complaint narrative:
RE : 15 USC 1681s-2 Identity Theft, Misleading & Deceptive Practices in Violation of the Federal Trade Commission Act ( FTC ACT ) ( 15 USC 45 ), and The Sherman Act of 1890 ( 15 U.S.CODE 1-TRUSTS ) To Whom it may concern, Experian, XXXX, and XXXX  are engaging in practices prohibited by Section 5 of the Federal Trade Commission Act ( FTC ACT ) ( 15 USC 45 ), and The Sherman Act of 1890 ( 15 U.S.CODE 1-TRUSTS ), strictly prohibit unfair or deceptive acts or practices in or affecting commerce. 

REPORTING ERRORS THROUGH MISREPRESENTATION The original source documents were requested for verification through physical validation, however Experian, and XXXX have failed to provide any such proof. This account is being reported in error through misrepresentation, fraudulently, and in violation of consumer protection laws under the Fair Credit Reporting Act, FTC Act, and The Sherman Act of 1890, which prohibit false, misleading and deceptive practices, and therefore this account must be deleted immediately. 

Furthermore, XXXX has failed to provide proof that the account listed is not an investment futures security, thereby constituting as a Trust agreement and not a contract. XXXX Non-Performance by failure to provide documentation requested for proof and verification of physical validation of the account is in violation of the FCRA, and Reporting Investigation requirements, FTC Act, and the Sherman Antitrust Act of 1890.

The failure to perform, and failure to disclose, coupled with misrepresentation of this account constitutes as fraudulent misrepresentation in violation of consumer protection laws under the FTC, FCRA, and Truth and Lending Act, Regulation Z and therefore must be deleted immediately. 
UNFAIR TRADING PRACTICES Additionally, the XXXX account fails to adhere to the disclosure requirements under the FCRA, Regulation Z, Truth and Lending Act, [ fueled by ] being fraudulently reported herein. Section 5 of the FTC ACT ( 15 USC 45 ), prohibits unfair acts & practices, deceptive acts & practices, misrepresentations, omissions, that mislead, or are likely to mislead the consumer and that are material, in or affecting commerce including dealers, banks, servicers, and/or depositors.

In accord with the title [ 15 U.S.C.1681g ] Section 609 ( a ), of the Fair Credit Reporting Act, the original contract documents inclusive of my signature ; the Name, and address of the Representative pursuant to the original contract was made, along with the original payment history and signature of ownership was previously made. The Sherman Antitrust Act of 1890, strictly prohibits misleading, unfair, deceptive acts and/or practices, by any such corporations and/or officials and is punishable by criminal charges. 

Upon continued failure of Experian, XXXX, XXXX  to adhere to disclosure requirements, requests for performance, and verifiable proof through physical verification, the following account continues being reported in error and fraudulently through misleading and deceptive practices. Therefore immediate removal and deletion of the account stated herein is in order under FCRA 15 USC 1681c-2. Any refusal to comply with Statutes and Regulations governed by the FTC under the FCRA, and any which are prohibited by Section 5 of the Federal Trade Commission Act ( FTC ACT ) ( 15 USC 45 ), and The Sherman Act of 1890 ( 15 U.S.CODE 1-TRUSTS ) will be subject to enforcement and settlement under the Sherman Antitrust Act of 1890, and additional enforcement by the FTC under the FCRA as allowed. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof through physical verification, you must remove the account listed above. 

15 U.S.CODE 1-TRUSTS, ETC., IN RESTRAINT OF TRADE ILLEGAL ; PENALTY provided : Every contract, combination in the form of trust or otherwise, or conspiracy, in restraint of trade or commerce among the several States, or with foreign nations, is declared to be illegal. Every person who shall make any contract or engage in any combination or conspiracy hereby declared to be illegal shall be deemed guilty of a felony, and, on conviction thereof, shall be punished by fine not exceeding {>= $1,000,000} if a corporation, or, if any other person, {>= $1,000,000}, or by imprisonment not exceeding 10 years, or by both said punishments, in the discretion of the court.

SHERMAN ANTITRUST ACT 15 U.S.C. 1 - 38 Sherman Antitrust Act of 1890 is a federal statute which prohibits activities that restrict interstate commerce and competition in the marketplace. It outlaws any contract, conspiracy, or combination of business interests in restraint of foreign or interstate trade.

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 non-monetary relief