Consumer complaint received 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
RE : XXXX, XXXX, Experian and Clarity : Notice of Default : Failure to Comply with Cease and Desist of Fraudulent Creditor Furnishings : XXXX, XXXX  of XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern : Thank you for your attention and assistance to my concerns. I have yet to receive a contact from the US Employee Relations department and/or Head of US Consumer Affairs for XXXX , XXXX, Experian and Clarity. 

I have received additional non-investigative credit dispute resultsfrom XXXX, Clarity and Experian. All three entities are continuing to report fraudulent information, All three entities have confirmed accurate reporting for known fraudulentinformation, All three entities have refused to adhere to FCRA GUIDELINES pertaining to enforcement of my fraud alert request, all three entities have committed misconduct due to their provenknowledge of fraud furnishings and failure to comply under FCRA GUIDELINES. 

Please provide me the details of the department and departmental contact information in order for me to initiate correspondence regarding my complaints. 

Please note, this correspondence is not a request for a dispute. XXXX, XXXX, Experian and Clarity have neglected their fiduciary responsibilities by refusing to adhere to ethical obligations. As a result of XXXX, XXXX, Experian and Clarity gross negligence, and clear intent to interfere with due process and compliance protocols ; consumer will proceed with legal proceedings. 

XXXX, XXXX  of XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at XXXX inviolationof the FCRA guidelines. Above mentioned Furnishers are fraudulentlyreporting old or outdated, discharged, PAID and CLOSED debt accounts. Above mentioned creditors are fraudulently accessing credit reports for impermissible purposes, and without ethical intent of unbiased investigation. Above mentioned creditors are intentionally refusing to disclosesupportive documentation, with intent to engage in violating consumersprivacy. 

XXXX, XXXX, Experian and Clarity arerequired to investigateperFCRA Guidelines.Once notified by a CRA of a consumer dispute, the furnisher of the disputed information must do its own reasonable investigation. A reasonable investigation of facts by definition under FCRA. 1681s-2 ( b ) requires the furnisher to examine sufficient evidence to determine whether the disputed information is accurate.

Sections 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ). If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. 

A creditor or other business must give you copies of applications and other business records relating to transactions and accounts that resulted from the theft of your identity, if you ask for them in writing. 

XXXX, XXXX, Experian and Clarity have failed to conduct an unbiased and reasonable investigation ; by continuing to certify fraudulent and inaccurate data as accurate ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, Experian and Clarity are in violation of Section 623 ( e ). The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. 

Penalties For Non-Compliance : Violations of the FCRA can lead to both civil and criminal penalties. Civil penalties, including nominal damages ( up to one thousand dollars if no actual damages exist ), actual damages ( including emotional distress ), and punitive damages, plus attorneys ' fees and costs, may apply where there is " willful noncompliance '' with the Act. Civil penalties for " negligent noncompliance '' are restricted to actual damages and attorneys ' fees and costs. Criminal penalties may apply where an individual knowingly and willfully obtains information from a consumer reporting agency under false pretenses. 

I have attached XX/XX/2024 Fraud Dispute Resolution results. I have previously provided to XXXX, XXXX, Experian and Clarity proof of fraudulent furnishings. All submissions to CRAs have been cataloged and preserved to demonstrate the willful disregard, intentional misconduct, and organizational wrongdoings. 

The time in which XXXX, XXXX, Experian and Clarity have been awarded to address these matters has now expired. Further Legal action will proceed to ensure proper implementation of accurateness is taken and adequately adhered to.

Company response to consumer: Closed with explanation