Consumer complaint received 2023-09-09
Company: Experian Information Solutions Inc.
State: PA
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

Complaint:
In accordance with the Fair Credit Reporting Act, the List of accounts below has violated my federally protected consumer rights to privacy and confidentiality. 

In accordance with the Facir Credit Reporting Act, the listed inquires below has violated my federally protected consumer rights to privacy and confidentiality. 

XXXX Date of Inquiry-XXXX XXXX Date of InquiryXXXXXXXX  XXXX XXXX Date of Inquiry-XXXX 15 U.S. Code 1681c2. Block of information resulting from identity theft 15 U.S. Code 1681c-1. Identify theft prevention, fraud alerts and XXXX XXXX. 

By law credit bureaus are obligated by federal law to verify, through the physical verification of the original signed consumer contract, every account that you disclose in a credit report. According to the Fair Credit Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

Account Information : Charge Off Account Number : XXXX Collection Agency Name : XXXX XXXX Original Creditor : XXXX XXXX XXXX. 
Date of First Delinquency : XX/XX/XXXXXXXX  Account Information : Debt Buyer Account Number : XXXX Collection Agency Name : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Date of First Delinquency : XX/XX/XXXXXXXX  Account Information : Credit Card Account Number : XXXX Collection Agency Name : XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX Date of First Delinquency : XX/XX/XXXXXXXX  Account Information : Secured Card Collection Agency Name : XXXX XXXX XXXX Account Number : XXXX Original Creditor : XXXX XXXX XXXX Date of First Delinquency : XX/XX/XXXXXXXX  Account Information : Credit Card Collection Agency Name : XXXX XXXX Account Number : XXXX Original Creditor : XXXX XXXX Date of First Delinquency : XXXX XXXX  15 U.S. Code 1681c - Requirements relating to information contained in consumer reports | U.S. Code | US Law | LII / Legal Information Institute. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681q-Obtaining information under false pretenses.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

I have filed a complaint with the Better Business Bureau with inaccurate information being reported, violating my rights, and privacy in addition with the identify Theft.org for unauthorize inquires.

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