Consumer complaint received 2022-10-31
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX DOB : XX/XX/1989 To : XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Re : Notice to Cease and Desist & Settlement Demand of {$10000.00} I have never once written EXPERIAN giving them my written consent to report anything on my consumer report EVER. If so please provide me with such letters bearing my wet signature with in 30 days or again DELETE everything referenced-below. 
EXPERIAN again you re is still furnished a few alleged accounts, unknown addresses on my report that need REMOVED as soon as possible listed below : 1. XXXX XXXX  XXXX ( Never Verified This Account But Still Reporting/ DELETE ) ( ACCOUNT WAS DELETED BY XXXX & XXXX XXXX XXXX XXXX Of PROOF ) 2. XXXX XXXX XXXXXXXX XXXX XXXX Never Verified Late Payments But Still Reporting/ DELETE ) ( ACCOUNT STATUS IS Paid AS Agreed BY XXXX & XXXX XXXX XXXX XXXX Of PROOF ) 3. XXXX XXXX XXXX XXXX  # XXXX ( Never Verified This Account But Still Reporting/ DELETE ) ( ACCOUNT WAS DELETED BY XXXX XXXX TO LACK Of PROOF ) 4. XXXX XXXX XXXX XXXX # XXXX ( Never Verified This Account But Still Reporting/ DELETE ) ( ACCOUNT WAS DELETED BY XXXX & XXXX DUE TO LACK Of PROOF ) 5. SXXXX XXXX XXXX # XXXX ( Never Verified This Account But Still Reporting/ DELETE ) ( ACCOUNT WAS DELETED BY XXXX DUE TO LACK Of PROOF ) 6. XXXX XXXXXXXX # XXXX ( Never Verified This Account But Still Reporting/ DELETE ) ( ACCOUNT WAS DELETED BY XXXX XXXX TO LACK Of PROOF ) 7. XXXX XXXX XXXX # XXXX ( Never DONE BUSINESS WITH VENDOR/ DELETE ) ( PER XXXX5 USC 1681b a 2. DELETE I DID NOT NOR DO I AUTHORIZE THIS TO REPORT. ) 8. XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX ( Not My Address/ DELETE/ Violation 15 USC 1681b a 2 ) 9. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ( Not My Address/ DELETE/ Violation 15 USC 1681b a 2 ) 10. XXXX XXXX XXXX, XXXX, XXXX  XXXX ( Not My Address/ DELETE/ Violation 15 USC 1681b a 2 ) According to 15 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. 
As per the literal interpretation Any Medium includes oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged accounts and unknown addresses ) by the Company will be a violation of my rights as per the Fair Debt Collection Practices Act ( FDCPA ). 

15 USC 1681b ( a ) ( 2 ) -permissible purposes of a consumer report.

( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

The law clearly states that a consumer reporting agency can not report any items on my consumer report with out my written consent. You are in `violation of the law because I never gave you written or verbal consent. 
Pursuant to my rights as per 15 USC 1692c ( c ), I am hereby providing you a formal notice to cease any further communication regarding these alleged accounts and unknown addresses immediately. This includes but not limited to telephones calls, emails, social media or any other Major or XXXX 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