Consumer complaint received 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
b'XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnFIRST NOTICE\n\nAFFIDAVIT FOR UNLAWFUL USE OF CONSUMER REPORT  DEMAND FOR REMOVAL OF UNFAIR DEROGATORY INFORMATION\nState of XXXX\n\nI, XXXX XXXX XXXX XXXX XXXX XXXX, hereby depose and say:\n\nFact/Truth 1. Non-Compliance With Title 15 U.S. Code 1681\n Experian has shown that they are willfully being non-compliant with Title 15 U.S. Code 1681 based on the following fact(s). XXXX has not been fair and/or accurate with the reporting of specific information on my credit report.  XXXX has not maintained the integrity of the banking system as I am unable to gain access to my credit in order for banks/financial institutions to loan me money. It is imperative that credit reporting is fair and accurate to maintain the integrity of the banking system and to ensure fair treatment of consumers in accordance with 15 U.S. Code 1681.  Please send proof that you have been fair and accurate in your reporting.  If you cannot provide proof, I am going to consider this matter settled by the removal of the following unfair and inaccurate information: \n\nAccount NameXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  2. Fair and Accurate Credit Reporting:\n   XXXXXXXX, Experian, XXXX is not being fair to the me or the banking system.  The banking system has one less person that can participate in the system. The banking system is heavily dependent on fair and accurate credit reporting. Reporting negative and derogatory information on my credit report is not fair to me as a consumer and undermines the banking system\'s efficiency. It restricts my access to credit, which in turn could contribute to the banking system through interest payments and other financial activities. If you cannot provide proof that you are being fair and accurate to me and the banking system, I am going to consider this matter settled by the removal of the following unfair and inaccurate information: \n\nAccount Name:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3. Undermining Public Confidence:\n  XXXX Experian, XXXX is undermining the public confidence in the banking and financial systems.  Consumers with unfair and private derogatory information reporting on their credit report, believe they cannot participate in the lending and banking system. Unfair credit reporting methods severely undermine public confidence, which is crucial for the continued functioning of the banking system. According to 15 U.S. Code  1681(a)(1), the purpose of accurate credit reporting is to maintain public confidence. I question the fairness of the mechanisms used by your credit bureau to evaluate my character and reputationXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  4. Mechanism for Evaluating Character and Reputation:\n   How can an elaborate mechanism (mechanic machine) accurately evaluate the character and reputation of a consumer (sentient being)? Who did the mechanism contact about my character? Who did the mechanism contact about my reputation? What sources did the mechanism use to find out about my character and/or reputation? Please provide a list of sources used by the mechanism in accordance with 15 U.S. Code  1681(a)(2). If ,Experian cannot provide proof of whom their mechanism contacted/spoke to and spoke to it about my character and reputation.  If Experian cannot provide proof, I will consider this commercial matter settled and resolved by removing the derogatory information below:\n\nAccount NameXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 5. Role of Consumer Reporting Agencies:\n   Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. Who did the consumer reporting agencies "assume" this vital role from? Who authorized consumer reporting agencies to assume this vital role? Please provide proof that your credit bureau was given this role from a proper authority in accordance with 15 U.S. Code  1681(a)(3). If Experian cannot provide proof of whom authorized their vital role, I will consider this commercial matter settled and resolved by removing the derogatory information below: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  6. Grave Responsibilities and Privacy:\n   There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. Given this grave responsibility and the respect for my right to privacy, it is perplexing why your credit bureau continues to report my private information, especially when it is unfair, inaccurate, and damaging to me and the efficiency of the banking system. If  Experian cannot provide proof that they are exercising their grave responsibilities and are respecting my rights for privacy, I will consider this commercial matter settled and resolved by removing the derogatory information below: \n\nAccount NameXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  7. Demand for Removal of Information:\nExperian to follow the codes and statutes of Title 15 U.S. Code 1681.  Therefore, in accordance with 15 U.S. Code  1681(a)(1,2,3,4), I demand the removal of the following negative and derogatory accounts from my credit report:\n\nAccount Name:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  8. Maxims of Commercial Law\nShould this affidavit go unrebutted point-by-point, according to commercial law (this is a commercial matter), this affidavit will stand as truth in commerce and will become judgement in commerce to which summary judgement applies.\n\nSworn to and subscribed before me, this XXXX XXXX XXXX XXXX  trust this matter will be addressed with the urgency and seriousness it demands. Thank you for your immediate attention to this request.\n\nIn Good Faith, No Malice, No Intent To Defraud and With Clean Hands, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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