Consumer complaint received 2024-05-22 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: IL

Complaint narrative:
Fact to all who may read this : I am the consumer, federally insured natural person, original creditor, lender, executor, administrator, and holder in due course for any and all derivatives thereof for XXXX XXXX. I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will deviate and autograph. As I am of the age of majority, I give the herein fact to all and make the solemn oath to the one and only most high of creation, whoever that may be. I oppose the following facts, so be it now present : Racist, bigoted, prejudiced company policies have been holding black people back from building wealth for generations. The Fair Debt Collection Practices Act and the Fair Credit Reporting Act are intended to secure my right to privacy, and my privacy has been breached. It is a fact that removing this information from your company records, or any and all derogatory marks from your website and any affiliates, will ensure my privacy rights wont be violated again due to my lack of consent. This unrebutted affidavit of truth is being serviced to you today and therefore stands as truth in commerce. 

Please show good faith in this matter by expediting the securing of the alleged information listed on your site to avoid me receiving further injury, damages, mental anguish, and financial losses due to being a victim of identity theft. Any willful noncompliance or frivolous response will not be accepted and will result in a penalty of {$1000.00} per infraction. 

Please take further fact that I am compelled to pursue potential legal action against you seeking injunctive relief, substantial monetary damages including but not limited to special, punitive, and compensatory damages, attorney fees, and all additional remedies, relief, and penalties by law and equity to the fullest extent permitted by law. The foregoing is submitted without prejudice and with full reservation of all rights and remedies irrespective of whether they are stated herein. 

I write to you today not just as a consumer who has been adversely affected Experians practices, but as an individual who demands fairness, equity, and respect under the law. The reporting of negative information by your company has been neither fair nor equitable, significantly harming my financial standing and personal well-being. It's imperative to address that, in managing my personal and financial information, your company inherently holds a fiduciary obligation to act solely in ways that benefit me, the consumer. This letter encapsulates a comprehensive demand for your company to rectify its actions in compliance with this obligation and the applicable federal laws. 

Specific Violations and Liabilities : The conduct of your company constitutes explicit violations of several federal statutes, critically affecting my rights and interests : 15 U.S. Code 1611- Criminal liability highlights the severity of willful and knowing misrepresentations or compliance failures regarding consumer information.

15 U.S. Code 1681n, 15 U.S. Code 1681o - Civil liabilities underscore the consequences of both willful and negligent noncompliance with the Fair Credit Reporting Act ( FCRA ), emphasizing the rights of consumers to seek redress for violations.

15 U.S. Code 6802 - The obligation of financial institutions to adhere to strict notice and opt-out requirements for the disclosure of nonpublic personal information, a principle egregiously violated by the unauthorized dissemination of my information. 
XXXX XXXX has been in receipt of my notice of rescission, and I have proof you received this letter and negligently ignored it. I assert that neither XXXX XXXX nor your company holds any rights to my information, and I can choose to fix it at any point in time. If your agents continue to stand in my way, I will seek legal recourse, and you will pay for every infraction on my consumer report. There is no law that says this information is permitted to be on my consumer report. XXXX XXXX and I no longer have an agreement, so no CRA should have this banking information. 

15 U.S. Code 1681q - The penalty for obtaining consumer information under false pretenses reinforces the sanctity of consumer data integrity.

15 U.S. Code 1681a ( i ) - Exclusions from the consumer report definition, which XXXX XXXX and XXXX XXXX have failed to respect by reporting transactions and experiences without my consent, directly contravening the FCRA 's stipulations. 
" Open balance '' as well as " credit utilization '' are banking experiences and shouldn't be on consumer reports. Remove those remarks from my XXXX XXXX account ; do not remove the entire account. I have been requesting for the last 11 months for this experience not to be reported, and you continue to do so to hold me back and keep me from acquiring credit. XXXX XXXX has already told me they do not report utilization. I have authorized users on my account, so this should be reflected for them as well. Your company is voluntarily illegally reporting this negative information to my consumer reports. 

Pursuant to 15 U.S. Code 1681 - Accuracy and fairness of credit reporting : The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence essential to the continued functioning of the banking system. 
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. 
I declare and side with Congress when they say I have a right to financial banking privacy and I will use that right at any time. I reserve that right always. If these laws are in place so my consumer report can look the way I want it to, then that's exactly what I'm going to do. Try and stop or fail to do your job, and people will start going to jail, and your company will be paying federal court fines. This is my promise to all associates of your company. 

In accordance with 15 U.S. Code 1602 ( j ), the terms " open end credit plan '' or " open end consumer credit plan '' are defined. I am fully aware of my rights as a consumer. The credit plan is a right, and the XXXX XXXX card was acquired under this open-end credit plan. Open-end credit is a right, not a privilege. 

Did you know I can fine you for violating any of my rights under Title 18? In accordance with 15 U.S. Code 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. So why is a late payment showing on my consumer report?

Pursuant to 18 U.S. Code 1341 - Frauds and swindles : Whoever devises or intends to devise any scheme or artifice to defraud, or for obtaining money or property by means of false or fraudulent pretenses, representations, or promises, or to sell, dispose of, loan, exchange, alter, give away, distribute, supply, or furnish or procure for unlawful use any counterfeit or spurious coin, obligation, security, or other article, or anything represented to be or intimated or held out to be such counterfeit or spurious article, for the purpose of executing such scheme or artifice, shall be fined not more than {>= $1,000,000} or imprisoned not more than 30 years, or both. 

Since I don't have any valid or said contract with your company and you are claiming rights to my information and furnishing inaccurate information on me under false pretenses because I was never given any notice my information would be shared with you, pursuant to 18 U.S. Code 241 - Conspiracy against rights : If two or more persons conspire to oppress any person in any state in the free exercise or enjoyment of any right or privilege secured to them by the Constitution or laws of the United States, they shall be fined under this title or imprisoned not more than ten years, or both.

18 U.S. Code 247 - Obstruction of persons in the free exercise of religious beliefs : Whoever intentionally obstructs any person in the enjoyment of that persons free exercise of religious beliefs, or attempts to do so, shall be fined in accordance with this title, imprisoned for not more than three years, or both.

Immediate Actions Required : So experian I see there is no date of birth for my consumer report I have reason to believe my file has been mixed with someone elses. My membership ID IS AS FOLLOWS XXXX please add my birthday back to my file and stop merging my information. I was expecting a XXXX tradeline to report and i couldnt even tell if I Was added or not. 
In light of these indisputable violations and the fiduciary breach represented by your actions, hard inquiries are a receipt of transactions meaning my credit card was run. Pursuant to 15 U.S. Code 1602 ( a ) ( l ), the term " credit card '' means any card, plate, coupon book, or other credit device existing for the purpose of obtaining money. This means someone at your company got paid for transmitting my information and using my Social Security number and consumer report. As a result of your company getting paid, I was discriminated against and denied several credit products. Since my credit card ( Social Security card ) was used, I demand the following immediate corrective measures : I need access to my credit report at all times I also need access to freeze my consumer report AT WILL whatever invisible block is on my information cease that IMMEDIATELY. I need a consumer statement and it should go as follows. I XXXX XXXX am Creditworthy regardless of any number reported on me. Open Credit account ( s ) if applied for pursuant to 12 cfr part 1002 regulation B.

The cessation of all unauthorized use and negative credit reporting of my personal information.

Reinstating my rightful financial reputation.

Full compliance with the FCRA, particularly adherence to the exclusions under 1681a ( i ) and rectification of all compliance failures. 
Removal of the high utilization remark as well as the open balance from my XXXX account. 
Removal of the XXXX XXXX account and inquiries entirely. 
Removal of the XXXX XXXX XXXX inquiry as there is no permissible purpose with no open or said accounts or fiduciary obligation fulfilled by 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