Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #9058921

Complaint Overview

Complaint ID: 9058921

Company: Experian Information Solutions INC.

Product: Credit reporting or other personal consumer reports

Sub-Product: Credit reporting

Issue: Improper use of your report

Sub-Issue: Reporting company used your report improperly

State: Louisiana

ZIP Code: 711XX

Date Received: 2024-05-20T12:00:00-05:00

Date Sent to Company: 2024-05-20T12:00:00-05:00

Company Response: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

To Whom It May Concern, All credit reporting agencies I am writing to formally address the inaccuracies and erroneous information present on my credit report, which are causing significant harm to my reputation as a reliable borrower and impairing my ability to secure credit necessary for supporting my family. This letter serves as a formal request to open an investigation into these matters. Under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are obligated to ensure the maximum possible accuracy of the information they report. I have demanded that the credit bureaus investigate and remove inaccurate accounts and information from my consumer report. Despite my requests for the original applications bearing my signature, such evidence has not been provided. This failure constitutes a clear violation of the FCRA. According to the FCRA, disputed information must be removed if it can not be substantiated. In accordance with 15 U.S.C. 1692f, 1681b, 1681c, and 6801, I assert my right to privacy and accurate reporting. I have never authorized any debt collector to furnish false information on my consumer report. Ignorance of the law by the credit bureaus and data furnishers does not excuse their non-compliance. Therefore, I demand the immediate removal of these inaccuracies. The FCRA, specifically 15 U.S.C. 1681, mandates that consumer reporting agencies uphold privacy, impartiality, and fairness. As a consumer, I am entitled to these protections. Financial institutions and credit reporting agencies, including all credit reporting agencies, have no written consent from me to share my information. Under 15 U.S.C. 6802, they are prohibited from disclosing my private information without my explicit consent, which I have revoked. Furthermore, under 15 U.S.C. 1681c, consumer reports may not contain adverse information older than seven years, excluding criminal convictions. The adverse information currently being reported on my credit report without my permission is therefore illegal. Additionally, 15 U.S.C. 1681s-2 prohibits the furnishing of inaccurate information, a provision that these agencies have violated. As per 15 U.S.C. 1681e, each consumer reporting agency must maintain reasonable procedures to ensure accuracy and compliance. All credit reporting agencies, are failing to meet these requirements. Per 12 CFR 1016.7, I am exercising my right to opt out of their reporting services and demand confirmation of this action via mail. This letter serves as a formal Administrative Notice regarding the unlawful use of my consumer profile. Section 1692c of Title 15, 15 U.S.C. 1692c, restricts communication about a consumers debt without explicit consent. The term " permissible purpose '' in 15 U.S.C. 1681b is crucial in this context. Moreover, 18 U.S.C. 1348 addresses fraud in securities and commodities, imposing severe penalties for fraudulent schemes. The failure of these agencies to notify me as required by law is a breach of their legal obligations. In consumer credit transactions, 15 U.S.C. 1635 outlines the right to rescind certain transactions. The creditor must clearly disclose this right and return any property or funds within 20 days upon rescission ; failure to do so voids the security interest. This section provides a rebuttable presumption of delivery of required disclosures and outlines conditions under which rescission rights apply, including during foreclosure proceedings. Finally, the Federal Trade Commission ( FTC ) enforces these laws and requires compliance from all parties involved. Organizations like collections and derogatory information listed have not provided the original purchase agreements for the claimed debts. As trustee of the U.S. national bankruptcy, it is known that all gold and silver were demanded to be turned in 1933, perpetuating the state of emergency. Thus, securities and bonds must be transferred or destroyed. I demand the cessation of all reporting by these entities, which have deprived me of my rights and hindered my family 's progress. Fraud, as defined in 18 U.S.C. 1348 and 18 U.S.C. 1028, includes the use of false or misleading methods in connection with the purchase or sale of securities. These statutes impose severe penalties, including fines and imprisonment, for producing, transferring, or possessing fraudulent identification documents or information. The actions of the credit reporting agencies constitute violations of these laws, necessitating immediate rectification. Please provide written confirmation of the removal of the disputed information from my credit report within 30 days of the date of this notice. Failure to rectify cure and comply will result in my pursuing all available legal remedies, and initiating legal action for damages caused by your non-compliance. Sincerely, [ Your Full Name ] [ Your Address ] [ City, State, ZIP Code ] [ Your Email Address ] [ Your Phone Number ] Inquiries Collection Miscellaneous information that needs to be removed I thank you for the understand I hope that this matter can be successfully fulfilled

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This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.

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