Consumer complaint received 2023-06-16
Company: Experian Information Solutions Inc.
State: MD
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:
XXXX disputing illegal inaccurate information by EXPERIAN its agents and A.I. system continues to reports outdated inaccurate information that is private property not public and is illegal for your company to possess private consumer information of mine. Im tired of playing your games with your system of hypothecation and usury. I did not give Experian or its agents or any other of the 300 credit reporting businesses authorization or agreement to collect store sell or share any of my private consumer information. i have sent its agents letters phone calls emails and disputed its actions on this platform in the pass and experian platforms also all my life so far has been the continuous subjugation discrimination and oppression embossed by these companies agents doing business behing the mask of corporations. You EXPERIAN continue to violate the law and consumer rights willfully by the day for profit. This bogus credit rating that it reports is inaccurate and unnecessary. I am listing some of the FCRA violations but do not forget federal law incudes the constitution and all treaties made. Once again me and my private property is not yours to have access to you are not my GOD and i have told you repeatedly to remove the inaccurate out dated illegal information it is reporting. i am not a criminal so what are you doing sharing any of this information relating to me the living consumer? congress already stated that none of these credit reporting agencies are government agencies and even they do not supposedly have access to its public citizens private information so what makes you have more authority than me? its my private consumer likeness of which i control and i tell you what is allowable to be reported or shared when it relates to me or my private consumer life and rights. i am a XXXX XXXX XXXX XXXX XXXX XXXXl under the law of the land and it includes all my private consumer private information. so below are violations of international law and consumer rights violations relating to you using copywitten trademarked private information of which i will send you a fee schedule for you using it over the pass 41 years. once i have told you to remove information and you do not that is discriminating on my rights and authority by an attemped use of whatever public policy or public law you fall under to be clear. See attachments evidence of your blatant usury and look at all this information in your possession unlawfully. 
*** ( XXXX ) ( United Nations Declaration on the Rights of Indigenous Peoples ) Article 28 of the rights of indigenous peoples Article 28 1. Indigenous peoples have the right to redress, by means that can include restitution or, when this is not possible, of a just, fair and equitable compensation, for the lands, territories and resources which they have traditionally owned or otherwise occupied or used, and which have been confiscated, taken, occupied, used or damaged without their free, prior and informed consent. 
XXXX. Unless otherwise freely agreed upon by the peoples concerned, compensation shall take the form of lands, territories and resources equal in quality, size and legal status or of monetary compensation or other appropriate redress. Article XI. Protection against genocide Indigenous peoples have the right to not be subjected to any form of genocide or attempts to exterminate them. Article XII. Guarantees against racism, racial discrimination, xenophobia, and other related forms of intolerance Indigenous peoples have the right not to be subject to racism, racial discrimination, xenophobia, and other related forms of intolerance. The states shall adopt the preventive and corrective measures necessary for the full and effective protection of this right.

*** ( 2 ) FCRA 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
**** ( 3 ) violating all letters violating all FDCPA laws USC 1692 ( B ) # 3 AND # 5, sharing private consumer information to credit reporting agencies, sharing private consumer information to credit reporting agencies after i disputed information EXPERIAN DROPPED THE CREDIT RATING SCORE MULTIPLES TIMES AS MUCH AS XXXX POINTS FOLLOWING DISPUTES RECEIVED FROM ME THE LIVING CONSUMER. 
**** ( 4 ) 12 USC 5531 : Prohibiting unfair, deceptive, or abusive acts or practices ( a-f ) **** ( 5 ) 12 CFR 1022.136 - Centralized source for requesting annual file disclosures from nationwide consumer reporting agencies. ( XXXX ) ( iii ) ( d ) Disclosures required. ( iii ) Centralized source materials that falsely represent, expressly or by implication, that a product or service offered ancillary to receipt of a file disclosure,... 
REMOVE ALL INACCURATE INFORMATION, if reporting is necessary write me a letter directly from your ceo requesting necessary information to report on my behalf. 
Attached is proof of identity HOME LAND SECURITY LETTER TELL THEM UPDATE THAT AS THE ONLY INFORMATION ANY CORPORATIONS NEEDS OF MINE CONSUMER HISTORY. XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXl my sir name and given name is private consumer information period.

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