Consumer complaint received 2020-11-08
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
It is a fact that affiant is a natural person pursuant to 15 USC 1602e, affiant is a consumer pursuant to 15 USC 1692a ( 3 ) and that your affiant is a creditor pursuant to 15 USC 1602 ( f ).

It is a fact, that EXPERIAN is a DEBT COLLECTOR as defined by 15 USC 1692a ( 1 ). 
XX/XX/2020 3. It is a fact that pursuant to 18 USC 3663 ( 2 ) EXPERIAN has caused affiant to become a VICTIM of IDENTITY THEFT pursuant to 15 USC 1681 a ( q ) ( 3 ) by AGENTS of EXPERIAN using the private identifying information of your affiant/victim for commercial purposes without the expressed written permission of your affiant/victim. 
4. It is a fact, that in violation of 15 USC 1681b ( a ) ( 2 ), no written instructions were given validating EXPERIANs use of your affiants private information for commercial use.

5. It is a fact that EXPERIANs theft of your affiant/victims identifying information is a destruction of your affiant/victims right to privacy pursuant to 15 USC 1692 a.

6. It is a fact that in violation of 15 USC 1681b, AGENTS of EXPERIAN created FILES with the trademarked and copyrighted private property of your affiant without permission or written instructions from your affiant. 
7. It is a fact that pursuant to 15 USC 1681M there was a willful non-compliance to compliance procedures in violation of 15 USC 1681e regarding 15 USC 1681b2.

8. It is a fact that in violation of 15 USC 1681N, EXPERIAN neglected to follow compliance procedures in violation of 15 USC 1681e regarding 15 USC 1681b2. 
9. It is a fact that after stealing the private identifying information of your affiant, in violation of 15 USC 1681d ( 2 ) B, although CONGRESS has instructed that authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card is to be excluded from what may be referenced as a consumer report, EXPERIAN did damage to your affiant by refusing to exclude the reporting of the fraud based XXXX XXXX XXXX XXXX TRADELINE as further destruction of your affiants right to privacy. 
( PLEASE SEE EXHIBIT A ) 10. It is a fact that after stealing the private identifying information of your affiant, in violation of 15 USC 1681d ( 2 ) B, although CONGRESS has instructed that authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card is to be excluded from what may be referenced as a consumer report, EXPERIAN did damage to your affiant by refusing to exclude the reporting of the fraud based XXXX XXXX XXXX TRADE- LINE as further destruction of your affiants right to privacy. ( PLEASE SEE EXHIBIT A ) 11. It is a fact that after stealing the private identifying information of your affiant, in violation of 15 USC 1681d ( 2 ) B, although CONGRESS has instructed that authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card is to be excluded from what may be referenced as a consumer report, EXPERIAN did damage to your affiant by refusing to exclude the reporting of the fraud based XXXXXXXX XXXX  TRADELINE as further destruction of your affiants right to privacy. ( PLEASE SEE EXHIBIT A ) 12. It is a fact that after stealing the private identifying information of your affiant, in violation of 15 USC 1681d ( 2 ) B, although CONGRESS has instructed that authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card is to be excluded from what may be referenced as a consumer report, EXPERIAN did damage to your affiant by refusing to exclude the reporting of the fraud based XXXX XXXX XXXX TRADELINE as further destruction of your affiants right to privacy. ( PLEASE SEE EXHIBIT A ) 13. It is a fact that after stealing the private identifying information of your affiant, in violation of 15 USC 1681d ( 2 ) B, although CONGRESS has instructed that authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card is to be excluded from what may be referenced as a consumer report, EXPERIAN did damage to your affiant by refusing to exclude the reporting of the fraud based XXXX TRADELINE as further destruction of your affiants right to privacy. ( PLEASE SEE EXHIBIT A ) 14. It is a fact that after stealing the private identifying information of your affiant, in violation of 15 USC 1681d ( 2 ) B, although CONGRESS has instructed that authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card is to be excluded from what may be referenced as a consumer report, EXPERIAN did damage to your affiant by refusing to exclude the reporting of the fraud based XXXX TRADELINE as further destruction of your affiants right to privacy. ( PLEASE SEE EXHIBIT A ) 15. It is a fact that after stealing the private identifying information of your affiant, in violation of 15 USC 1681d ( 2 ) B, although CONGRESS has instructed that authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card is to be excluded from what may be referenced as a consumer report, EXPERIAN did damage to your affiant by

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