Consumer complaint received 2023-10-07
Company: Experian Information Solutions Inc.
State: SC
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:
RE : ( ACCOUNTS THAT ARE FRAUDULENT ) : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX : EXPERIAN HAS NOT ADDRESSED MY ISSUES THAT I HAVE BEEN DEALING FOR 5 YEARS WITH THIS COMPANY THAT WAS BUILT OFF OF SLAVERY. LETTERS THAT HAVE BEEN SENT TO EXPERIAN 'S CEO AND CFO THAT HAVE BEEN SENT CERIFITED TO HEADQUARTES OFFICE AND BY EMAIL CONTINUE TO BE IGNORED. WHICH IS A VIOLATION OF FAILURE TO RESPOND. I HAVE WRITTEN LETTERS AND DISPUTED TIME AFTER TIME THAT EXPERIAN IS INCORRECTLY REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT AND EXPERIAN HAS CONTINUED TO VIOLATE AN ORDER TO CEASE AND DESIST THAT WAS SENT IN XX/XX/2023. EXPERIAN HAS BEEN SUPPLIED COUNTLESS TIMES, SUPPORTING DOCUMENTATION, PROOF OF IDENTIFICATION, AND ACTUAL AND FACTUAL CONSUMER LAWS THAT EXPERIAN CONTINUES TO VIOLATE, THERE IS NO SATISFACTION IN RESOLUTION. EXPERIAN CONTINUES TO VIOLATE MY CONSUMER RIGHTS. WHO, WHAT, WHEN, WHERE, HOW? ARE YOU EXPERIAN VERIFYING THIS INFORMATION? YOU ONCE AGAIN DO NOT HAVE MY PERMISSION TO CONTINUE TO REPORT ON MY REPORT WHICH IS A VIOLATION OF 15 US CODE 1681b PERMISSIBLE PURPOSE. EXPERIAN YOU CONTINUE TO VIOLATE THE TRUTH AND LENDING ACT 15 U.S. CODE 1601 CHP. 41. YOU CONTINUE TO REPORT ON MY CREDIT REPORT AND YOU EXPERIAN HAVE VIOLATED AN ORDER TO CEASE AND DESIST, WHICH IS AGGRAVATED IDENTITY THEFT - 18 USC 1028 A. IT IS AGAINST THE LAW TO REPORT ON ANY CREDIT REPORT ESPECIALLY FRAUDULENTLY WHICH EXPERIAN HAS VIOALTED 15 US Code 1681a ( 2 ) ( B ) - CHARGE OFF, REPO, FORECLOSURE. EXPERIAN YOU WAS SENT A FTC REPORT PROVIDING YOU IN FULL DETAIL OF ALL ACCOUNTS THAT ARE REPORTING FRAUDULENTLY AND YOU STILL WILL NOT REMOVE WHICH IS A VIOLATION OF 15 US Code 1681 c 2- BLOCK OF INFORMATION RESULTING IDENTITY THEFT. PLEASE LOOK UP AND DEFINE ALL LAWS YOU HAVE VIOLATED, BECAUSE YOU ARE NOT DOING YOUR JOB CORRECTLY WHICH CAN LEAD INTO A LAWSUIT. EXPERIAN YOU CONTINUOUSLY VIOLATE LAW 15 US Code 1681e ( b ) - MAXIMUM ACCURACY. PROVIDE TO ME MY WET BEARING SIGNATURE, THE ORIGINAL CONTRACT WITH MY SIGNATURE, THE PROMISSORY NOTE THAT IS BEING EXCHANGED ON THE FIRST AND SECONDARY MARKETS. YOU HAVE ALSO VIOLATED 15 US Code 1681 a 2 - DEFINITION, RULES OF CONSTRUCTION, 15 US Code 1692 C - COMMUNICATION IN CONNECTION WITH DEBT COLLECTION,15 US Code 1692 G - VIOLATION OF REPORTING A COLLECTION, 15 US Code 1601- CONGRESSIONAL FINDINGS AND DECLARATION OF PURPOSE, 15 US Code 1681 a ( 2 ) ( A ) ( i ) - LATE PAYMENTS, 15 US Code 1681b ( a ) ( 1 ) ( 2 ) - PERMISSIBLE PURPOSE - PLEASE TELL ME THE PERMISSIBLE PURPOSE YOU HAVE? YOU DID NOT GET PERMISSION FROM ME IN WRITING TO REPORT ON MY CREDIT REPORT. THE ONLY PIECE OF INFORMATION YOU HAVE PROVIDED IS A WAISTED OF PAPER. YOU ARE NOT SUPPOSE TO ASK A CONSUMER FOR THEIR SOCIAL SECURITY NUMBER WHICH IS A VIOLATION OF 42 USC 408 ( ILLEGAL AND FRAUD TO ASK FOR SOCIAL SECURITY NUMBER ) YOU NOW HAVE 3 DAYS TO REMOVE THIS FRAUDULENT INFORMATION OFF OF MY REPORT. FAILURE TO RESPOND IN TIMEFRAME GIVEN WHICH IS 3 DAYS WILL RESULT IN A LAWSUIT. YOU EXPERIAN KNOW THAT YOU CONTINUE TO VIOLATE MY CONSUMER RIGHTS AND LAWS. THIS IS FINAL!

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