Consumer complaint received 2022-10-30
Company: Experian Information Solutions Inc.
State: MI
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:
Experian To whom it may concern, Under 15 U.S. CODE 1681 ( a ) ( 4 ) - a ) Accuracy and fairness of credit reporting ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

EXPERIAN IS IN VIOLATION OF 15 USC 1681 ( a ) ( 4 ). 
Experian is taking information from a third party and is apply to my consumers credit report. 
I am the only one who can dictate whats goes on my consumers credit report. I have a right to privacy and Experian has NOT abide by the law. FIRST VIOLATION!

Under 15 U.S. CODE 1681 ( a ) ( 2 ) - Permissible purposes of consumer reports ( a ) In generalSubject to subsection ( c ), any consumer reporting agency may furnish aa consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Experian has violated 15 USC 1681 ( a ) ( 2 ). Experian did not have permissible purpose to post anything to my consumers credit report. 
I, XXXX XXXX XXXX never gave EXPERIAN or any other bureau my WRITTEN Consent to post anything to my consumers credit report. EXPERIAN never received a phone call nor written instructions. I ask that EXPERIAN please send a copy of my handwritten letter giving you consent to do so. You can send my written letter to the address provided. No consent is identity theft! 

Under 18 U.S. CODE 1028 ( a ) - Fraud and related activity in connection with identification documents, authentication features, and information ( a ) Whoever, in a circumstance described in subsection ( c ) of this section ( XXXX ) knowingly and without lawful authority produces an identification document, authentication feature, or a false identification document ; ( XXXX ) knowingly transfers an identification document, authentication feature, or a false identification documentknowing that such document or feature was stolen or produced without lawful authority ; ( XXXX ) knowingly possesses with intent to use unlawfully or transfer unlawfully five or more identification documents ( other than those issued lawfully for the use of the possessor ), authentication features, or false identification documents ; ( 4 ) knowingly possesses an identification document ( other than XXXX issued lawfully for the use of the possessor ), authentication feature, or a false identification document, with the intent such document or feature be used to defraud the United States ; ( XXXX ) knowingly produces, transfers, or possesses a document-making implement or authentication feature with the intent such document-making implement or authentication feature will be used in the production of a false identification document or another document-making implement or authentication feature which will be so used ; ( XXXX ) knowingly possesses an identification document orauthentication feature that is or appears to be an identification document orauthentication feature of the United States or a sponsoring entity of an event designated as a special event of national significance which is stolen or produced without lawful authority knowing that such document or feature was stolen or produced without such authority ; ( XXXX ) knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person with the intent to commit, or to aid or abet, or in connection with, any unlawful activity that constitutes a violation of Federal law, or that constitutes a felony under any applicable State or local law ; or ( XXXX ) knowingly traffics in false or actual authentication features for use in false identification documents, document-making implements, or means of identification ; shall be punished as provided in subsection ( b ) of this section. 

EXPERIAN has yet again violated another law! 
Experian has knowingly received information from a third party other than myself and posted to my consumers credit report. Experian has indeed committed FRAUD! 

Experian has also posted hard inquiries to my consumers credit report which has effect my score tremendously. Experian has cause me a lot of suffering because of this. Experian has not reported any accuracy. 
As of XXXX XXXX, EXPERIAN is showing an inaccurate credit score of XXXX, which was just a XXXX score. 
Under 15 U.S. Code 1666 ( b ) - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 
EXPERIAN strikes again with violating 15 U.S.CODE 1666. 
Experian has posted late payments to my consumers credit report based of the information received from a third party ( XXXX XXXX ). 
I, XXXX XXXX is the ORIGINAL CREDITOR and I am the only one who can extend credit. Experian can not extend credit now can they dictate what goes on my consumers credit report. 
Under 15 U.S. CODE 1602 ( a ) ( g ) - Definitions and rules of construction ( a ) The definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. 

Experian has Violated numerous laws as listed above. A copy of this letter will be sent to all parties involved as well as the attorney general. 
Experian along with XXXXXXXX XXXX ( just to name a few ), has not only damaged my consumers credit report SCORE but knowingly committed numerous of crimes while doing so.

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