Consumer complaint received 2024-04-12 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX To whom it may concern, Me XXXX XXXX XXXX, the Consumer is protected by the rights under The Consumer Protection Act of 1968. I have requested numerous times for certain accounts and items to be removed from my consumer report. I have had no contract with your company. 

XXXX has VIOLATED the Fair Credit Reporting Act. XXXX VIOLATED Title 15 U.S. Code 1681b ( a ) ( 2 ). I never gave written instructions, or power of attorney to furnish any private false information on my consumer report on me XXXX XXXX XXXX. This Is A VIOLATION of My Rights. 

Every Account was derived and create with my federal credit card Pursuant to Title 15 U.S. Code 1602 ( L ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Meaning my social security card! Every account or alleged account was open with my credit card SOCIAL SECURITY CARD Pursuant to Title 15 U.S. Code 1681n XXXX is Civil liability for willful noncompliance with my consumer report. 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 ; 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 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. 


Pursuant to Title 15 U.S. Code 1681o XXXX Is Civil liability for negligent noncompliance with my consumer report. Any person who is negligent in failing 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 any actual damages sustained by the consumer as a result of the failure ; and In the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I have credit card accounts that should have never been on my consumer report. Its a VIOLATION of my Consumer rights pursuant to Title 15 U.S. Code 1681a ( 2 ) ( b ) Except as provided in paragraph ( 3 ), the term consumer report does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; I have accounts that are reporting as me having two accounts with the same alleged creditor. Each account have different balances. This is unfair and furnishing false and causing damage to my character! 

I want XXXX TO JUST DELETE THIS INFORMATION! Every inquiry I dont have an open account with is in violation. Inquirys without a valid permissible purpose is a violation. 


Title 15 U.S. Code 1681 ( a ) ( 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 Never gave consent to any credit agency or corporation to report or/and furnish and have any of my personal private information which is identity theft pursuant to 12 Cfr 1022.3 ( h ). 



The following accounts and/or items that are violation of FCRA & need to be remove immediately : XXXX XXXX Account # XXXX Violated Title 15 U.S. Code 1681a ( 2 ) ( b ) {$1000.00} Violation Pursuant to Title 15 U.S. Code 1681o XXXX Is Civil liability for negligent noncompliance with my consumer report {$1000.00} Violation Pursuant to Title 15 U.S. Code 1681n XXXX is Civil liability for willful noncompliance with my consumer report. 
XXXX XXXX Account # XXXX Violated Title 15 U.S. Code 1681a ( 2 ) ( b ) {$1000.00} Violation Pursuant to Title 15 U.S. Code 1681o XXXX Is Civil liability for negligent noncompliance with my consumer report {$1000.00} Violation Pursuant to Title 15 U.S. Code 1681n XXXX is Civil liability for willful noncompliance with my consumer report. 
XXXX XXXX XXXX XXXX Account # XXXX Charge off = Income False/Misleading information reporting 2 accounts 2 different balances {$15000.00} charge off & {$35000.00} payed as agreed {$1000.00} Violation Pursuant to Title 15 U.S. Code 1681o XXXX Is Civil liability for negligent noncompliance with my consumer report {$1000.00} Violation Pursuant to Title 15 U.S. Code 1681n XXXX is Civil liability for willful noncompliance with my consumer report. 
XXXX XXXX XXXX Account # XXXX Charge off = Income {$1000.00} Violation Pursuant to Title 15 U.S. Code 1681o XXXX Is Civil liability for negligent noncompliance with my consumer report {$1000.00} Violation Pursuant to Title 15 U.S. Code 1681n XXXX is Civil liability for willful noncompliance with my consumer report. 
Inquirys XXXX XXXX XXXX XXXX XX/XX/XXXX Unauthorized/No consent No Permissible Purpose 15 U.S.C. 1681b ( a ) ( 3 ) A ) XXXX XX/XX/XXXX Unauthorized/No consent No Permissible Purpose 15 U.S.C. 1681b ( a ) ( 3 ) A ) XXXX  XXXX XXXX XX/XX/XXXX Unauthorized/No consent No Permissible Purpose 15 U.S.C. 1681b ( a ) ( 3 ) A ) XXXX XXXX XX/XX/XXXX Unauthorized/No consent No Permissible Purpose 15 U.S.C. 1681b ( a ) ( 3 ) A ) XXXX XXXX XXXX  Unauthorized/No consent No Permissible Purpose 15 U.S.C. 1681b ( a ) ( 3 ) A ) XXXX XXXX XXXX  Unauthorized/No consent No Permissible Purpose 15 U.S.C. 1681b ( a ) ( 3 ) A ) XXXX XXXX XXXX XX/XX/XXXX Unauthorized/No consent No Permissible Purpose 15 U.S.C. 1681b ( a ) ( 3 ) A ) XXXX XXXX XX/XX/XXXX Unauthorized/No consent No Permissible Purpose 15 U.S.C. 1681b ( a ) ( 3 ) A ) XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX Unauthorized/No consent No Permissible Purpose 15 U.S.C. 1681b ( a ) ( 3 ) A ) THESE INQUIRIES & ACCOUNTS NEED TO BE DELETED IMMEDIATELY AFTER ACCEPTING Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Ssn : XXXX The reporting of such inaccurate information has caused severe damage to my character, reputation, general mode of living, and ability to obtain credit. 
Your inaccurate reporting has damaged my livelihood. 
15 U.S. Code 1681s2 Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information.

( 1 ) Prohibition ( 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.

( B ) Reporting information after notice and confirmation of errors Title 15 U.S. Code 1681 ( a ) ( 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.

For your violations, I am assessing a penalty/fine of {$14000.00} to be settled immediately upon receiving this communication, you have 3 days of receipt of these VIOLATIONS & Demands to settle this matter. If you do not comply and respond in a timely manner You have agreed and stipulated to this consumer consent order for your participation in interstate commerce, agreeing and stipulating to my terms and for whatever monetary compensation I may arise to. In addition, if you do not comply fully you will be obstructing justice and held in contempt to be tried as a criminal. If you fail to respond or settle I will pursue a default judgement against you pursuant to Rule 55a of Federal rules of civil procedures. 
XXXX XXXX, XXXX This communication is to inform you that are furnishing inaccurate and incorrect information to the consumer reporting agencies. 
The reporting of such inaccurate information has caused severe damage to my character, reputation, general mode of living, and ability to obtain credit. 
Your inaccurate reporting has damaged my livelihood. 
15 U.S. Code 1681s2 Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information.

( 1 ) Prohibition ( 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.

( 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 ) ( ii ) the information is, in fact, inaccurate.

THIS IS YOUR NOTIFICATION. DELETE THIS ACCOUNT IMMEDIATELY OR I WILL TAKE LEGAL ACTION

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