Consumer complaint received 2024-05-11 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: TN

Complaint narrative:
I hereby attest and affirm to Experian, under the Fair Credit Reporting Act ( FCRA ), the Federal Trade Commission ( FTC ), and all relevant laws, regulations, and citations, that the account in question is a victim of fraudulent acts and actions that I did not authorize and is therefore due to identity theft. As a result, I'd like to ask that this account be deleted per the FCRA 's legal requirements and factual evidence. 
Experian reports the account as " closed '' and " written off, '' while then, against FCRA and other federal regulations, reports the " current amount owed '' at over {$11000.00} and three times the original amount reported just eighteen months ago of {$3800.00}. Experian states this " Meets FCRA Requirements, '' when in fact, Experian is reporting monthly an interest rate of over 300 percent, inaccurately reporting the months of XX/XX/XXXX - XX/XX/XXXX as current when in fact, I never made a payment, had my vehicle repossessed barely a month after the first payment due date, do not report terms, monthly payment amounts, and against FCRA and federal laws openly reports an account where XXXX and Predatory lending practices are evident, and to any state or federal law This request also extends to XXXX XXXX, which has been served with the " FCRA 605B ( 15 U.S.C. 1681c-2 ) '' and the " Furnishers of Information : Obligations of Furnishers Under FCRA '' documents. I have proof of delivery and receipt of these documents via USPS priority mail, and I would like to ask that XXXX XXXX comply with the directives outlined in these documents. I urge XXXX XXXX to immediately cease all negative reporting activities on this account, as failure to do so will result in criminal and civil action ( s ). Experian has been notified of the situation and is equally accountable. The deletion of this fraudulent account was being reported unlawfully, evidencing XXXX, predatory lending, and anti-FCRA guidelines, and it was causing me tremendous harm. An FCRA 609 request and investigation will be requested in denial of my rights and unlawful acts against XXXX XXXX has failed to respond to the following statements of fact : As a title-loan company, under Tennessee state laws, XXXX violated XXXX XXXX '' laws, charging interest rates above 24 % that are closer to 300 % ; " Predatory Lending '' laws ; the " Repossession 10-day notice '' law, which further forced protections sought under XXXX XXXX Bankruptcy ; " State Consumer Protection Laws '' which prohibit fraudulent, deceptive, and unfair business practices, also known as " Little FTC Acts. " ; Additionally, XXXX XXXX violated the " CFPA '' and " Dodd-Frank Reform Act, '' which means that it has also violated " UDAAP '' laws and regulations, the " Common Law Fraud '' regulations breaching " Consumer Protection Laws. " ; " Violation of Civil Rights Laws '', under " ADA '' regulations ; the " FTC ACT, '' " CFPA, ''

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