Consumer complaint received 2025-01-30 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: CA

Complaint narrative:
XX/XX/year>2025 Notice of Warning Against Any Delay in Processing by Credit Reporting Agencies EXPERIAN sent me a XXXX XXXX XXXX, 2025 stating that they received a recent request regarding my credit information that does not appear to have been sent by me or directly by me or I didn't authorize and precautionary measures they say THEY DID NOT TAKE ANY ACTION ON MY ALLEGED REQUEST. 

I called EXPERIAN and spoke to a customer care representative name " XXXX XXXX I told him what the XXXX said and he gave me a case number XXXX. 

Notice of Warning Against Any Delay in Processing by Credit Reporting Agencies For ACCOUNTS : XXXX XXXX XXXX # XXXX XXXX XXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXX/XX/XXXX # XXXX XX/XX/XXXX # XXXX XX/XX/XXXX # XXXX I am aware of the Credit Reporting Agencies ' recent attempts to delay the processing of many consumer disputes and challenges by responding that you " received an unusual or suspicious request '' allegedly based on your belief that some consumers are working with a third-party such as a credit repair company. Let me assure you that I am aware that any delay is illegal, as it is the right of all consumers to work with such a company if they so choose, and you have no legal basis for delaying the processing of those letters. 

However, you have no grounds for claiming any insight whatsoever into my level of training, or education on topics such as consumer protection laws or requisite reporting standards, so let me plainly and clearly state now that any letters you receive from me are created using applicable software and regulations available to ALL consumers, and that this is your notice that any delay in the processing of my letters is a violation of 15 U.S. Code 168li, which sets forth the procedure in which a Consumer Reporting Agency must investigate a consumer 's reasonable dispute and lists out the exceptions.

There is no such exception that would legally allow you to delay the processing of a consumer 's letters to you based on an unfounded assumption that assistance from a third party may exist, or in your arbitrary opinion that any consumer 's lawfully written letter seems in any way " suspicious '', thus ANY DELAY will be considered willful disregard of my rights as a consumer and will be a violation of the FCRA subject to monetary damages.

Please be advised that all letters you receive bearing my name have either been prepared by me or by my advisors on my behalf with my full knowledge and consent.

Also be advised that I am aware that no statute in the FCRA suggests that a Power of Attorney must be provided to you even in the event that a consumer is working with a third-party or representative, or that without said Power of Attorney documentation you are allowed to delay the processing of a consumer 's letters to you.

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