Consumer complaint received 2023-05-15
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To whom it may concern Im writing this complaint to see if I can get some type of help. Ive been doing some real research on some consumer laws, and as my last complaint Ive asked for my information to be blocked and deleted from my consumer profile. Im asking for that the laws be followed, and I know my consent wasnt giving, now under ( 15 USC 1681 congressional findings ) this XXXX talks about purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer. 15 U.S. Code 1681b - Permissible purposes of consumer reports : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : If a consumer gives written instructions to furnish the information, and if I didnt give this permission then it shouldnt be on my consumer report. I know that Im a federally protected consumer, who looked into consumer law and finding I never received and option to opt out of anything that has to do with a consumer credit transaction. Now I know that if didnt give my authorization to have my information shared or furnished then that constitutes as Identity theft according to XXXX that what it mean using someone no public information without the permission is identity theft and Ive, made the credit agencies aware of this and still have this information showing. The following is suppose to happen when this information is discovered by the consumer to identity theft and no Im not doing this in error or on the basis of a material misrepresentation of fact by the consumer relevant to the request to block. 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) BLOCKExcept as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
15 U.S. Code 1681e - Compliance procedures : No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title. 
So with that being XXXX this is my second attempt to XXXX this corrected in the corrected way, Ive also looked into 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) IN GENERALAny person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow. 


In closing I hope this can be taken care without any further action needed to escalate this so im demanding this information be blocked and deleted within the time communicated in these XXXX laws.

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 non-monetary relief