Consumer complaint received 2024-01-18 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: IN

Complaint narrative:
Im writing this complaint to inform you that Im federally protected as a consumer under the Fair Credit Reporting Act & Fair Debt Collection Practices Act. Im aware my consumer rights have been violated from this corporation by using offensive activities towards me as a consumer, such unauthorized use that didnt serve me any benefit pursuant to 15 USC 1602 ( p ) unauthorized use. 12 U.S.C. 1431 says Banks ( financial institution ) can only Borrow money which leads to expose the truth that pursuant to 15 USC 1602 ( g ) it defines creditor. This definition defines creditor as ONLY a natural person. THIS MEANS IM THE ORIGINAL CREDITOR OF THIS ACCOUNT. The term credit pursuant to 15 USC 1602 ( f ) means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. This means you must be granted the right to have credit. Pursuant to FDCPA 15 USC 1692d ( 1 ) it is a violation to use means to harm a consumers reputation. In regards, to this account it has damaged my reputation tremendously. Also pursuant to 15 USC 1692e ( 2 ) ( A ) it is a violation to falsely represent any amount of ANY DEBT. 15 USC 1681a ( 2 ) ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. F.C.R.A STATES its not supposed to include ANY info on my consumer report. 15 USC 1681a ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or which explains no affiliation with ANY third party such as the credit bureaus. 15 USC 1681a ( iii ) also states again you have the right not to have ANYTHING REPORTED. 15 USC 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar ; meaning the law states everything thats from my credit card is supposed to be excluded. Pursuant to 15 USC 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. As per Congress, you violated me & this corporation is criminally liable pursuant 15 USC 1611 because this corporation willingly knew that there were conducting a credit transaction which is FRAUD. Pursuant to 15 USC 6801 ( 3 ) is a direction violation of my protection against unauthorized access to my records and information has been violated resulting in substantial harm to me. There is no way to possibly investigate any alleged dispute when the FCRA states there is no dispute to conduct 15 USC 1681a Definitions ; rules of construction ( 3 ) ( e ) explains in depth a Credit Bureau or alleged creditor doesnt have the authority to Investigate investigative consumer report this term means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living its obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he acquainted or who may have knowledge concerning any such items of information. So, this means there is no way any credit bureau or alleged creditor can lawfully investigate. Pursuant 15 USC 1681a ( e ) it is prohibited to utilize any information from alleged creditors or consumer reporting agency. Pursuant to 15 USC 1692a ( 6 ) DEBT COLLECTOR means ANY person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of ANY debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. MEANING THIS APPLIES TO THESE COMPANY. With all the foregoing reasons, federal laws, and subchapters listed the following account must be deleted immediately. 

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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