Consumer complaint received 2024-01-21 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: CA

Complaint narrative:
I am writing to bring to your attention certain discrepancies and violations of federal laws related to consumer reporting, specifically governed by the Fair Credit Reporting Act ( FCRA ), 15 USC 1681, 15 U.S. Code 6802, and 16 CFR 313. I request your assistance in rectifying the issues outlined below. Requesting {$1000.00} each in which is {$3000.00} 15 U.S.C. 1681 a 1 a ( a ) Accuracy and fairness of credit reportingThe Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting.

Your in violation of Privacy Act of 1974 Per 15 USC 1681 ( b ) - Reasonable Procedures : It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. Requesting {$1000.00} Per XXXX XXXX Code XXXX - Permissible Purposes of Consumer Reports : Consumer reporting agencies are allowed to furnish consumer reports only under specific circumstances, as outlined in this statute. I bring to your attention subsection ( a ) ( 2 ), which emphasizes that such reports may be provided only in accordance with the written instructions of the consumer to whom it relates. Requesting {$1000.00} Per 15 U.S. Code 6802 - Obligations with Respect to Disclosures of Personal Information : Requesting {$1000.00} Per 16 CFR 313 - Privacy of Consumer Financial Information : Requesting {$1000.00} I have identified discrepancies in my consumer reporting information that require immediate attention. I request the following actions : A Charge off is a certificate of indebtedness in which is considered income and must be removed! 
Removal of all Non-Mailable Addresses Removal of All Inquiries Removal of All Collections Removal of All Late Payments Removal of Utilization Percentages Removal of Employment Information Removal of All Charge Offs Removal of All Fraud Victim Alerts Update all history to paid as agreed Experian Account Information : Remove Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX False or misleading representations- Collection accountsRequesting {$1000.00} 16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods, Requesting {$1000.00} 15 U.S. Code 1681 - Congressional findings and statement of purpose, Requesting {$1000.00} 15 U.S. Code 6803 - Disclosure of institution privacy policy, Requesting {$1000.00} I kindly request a thorough investigation into the accuracy of the above information and prompt corrective actions to bring my consumer reports into compliance with the FCRA and other relevant laws Per 15 U.S. Code 1681n - Civil liability for willful noncompliance Requesting {$1000.00} Publication 4681 Cat. No. 51508F Canceled Debts, Foreclosures, Repossessions, and Abandonments..Charge offs are considered debt per IRS Publication Please send a check for all violations that you have made! Per {$1000.00} each a total of {$12000.00} 15 U.S. Code 6805 - Enforcement U.S. Code Federal Trade Commission

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