Consumer complaint received 2023-07-27
Company: Experian Information Solutions Inc.
State: CA
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:
EXPERIAN CONSUMER DISPUTE POTENTIAL LAWSUIT PENDING Securities Acts, FDCPA, Privacy Act, FCRA, FRA, CCPA AWAITING XXXXXXXX XXXX  SECURITIZATION AUDIT RECEIPT CONSUMER REQUEST THAT ALL THE FOLLOWINGS BE PROVIDED TO CONSUMER DIRECTLY FROM CREDITOR. 
-PROOF OF SOURCE OF CREDIT EXTENDED TO VALIDATE ESTABLISH ACCOUNT -SIGNED APPLICATION, PROMISSORY NOTE, AGREEMENT FOR CONSUMER REPORTING -DEBIT AND CREDIT ACCOUNT LEDGER -GAAP ACCOUNTING -CUSIP NUMBER FOR ALL ACCOUNT SECURITIES, NOTE, BONDS RELATING TO ACCOUNT -1099C and 1099A FOR ALL ACCOUNTS LISTED IN THIS COMPLAINT EXPERIAN DOES NOT HAVE MY CONSENT TO OBTAIN ANY OF THE FOREGOING INFORMATION.

METRO 2 AND E-OSCAR WILL NOT BE ACCEPTED AS VALIDITY. MUST PROVIDE TITLE, TIME, ADDRESS, SIGNATURE AND IDENTITY OF ACTUAL HUMAN THAT CAN AND WILL BE WILLING TO TESTIFY UNDER OATH IN COURT OF LAW. 
Validation must come from the original creditor. - XXXX XXXX XXXX Federal Trade Commission ) ; etc. 
The consumer has put Experian on notice. Consumer want a full audit and accounting done on consumer private information shared by Experian. Consumer will file form 211 with the Treasury. Consumer will also file complaint with SEC, FTC, IRS and OCC within 5 days. CONSUMER WILL PURSUE REMEDY AT THAT POINT. 
Experian continue to intentionally violate consumer rights and as result consumer is being discriminated against under the Equal Credit Opportunity Act. 
Experian has assumed the role of collecting data and selling of private information and said company has a responsibility to protect consumer information. Several accounts are listed in error and consumer request immediate removal. Consumer request complete file Experian has on consumer. These accounts below are charged-off accounts requiring 1099A or 1099C for proper tax filings. Per IRS publication these type of accounts are considered income and income is not to be reported to consumer report. These accounts are in violation and improperly furnished as bad unpaid debt when theres no evidence of such. 

The following accounts must be deleted during investigation. Consumer Demand Cease and Desists of the following accounts being reported during dispute process. 
XXXXXXXX XXXX XXXX ( OPENED XX/XX/XXXX ) # XXXX XXXXXXXX XXXX XXXX XXXX OPENED XX/XX/XXXX ) # XXXXXXXX XXXX XXXX XXXX  ( OPENED XX/XX/XXXX ) # XXXX XXXX XXXXXXXX ( OPENED XX/XX/XXXX ) # XXXX XXXX XXXXXXXX ( OPENED XX/XX/XXXX ) # XXXX XXXX ( OPENED XX/XX/XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX ( OPENED XX/XX/XXXX ) # XXXX XXXX XXXX XXXX XX/XX/XXXX ) # XXXX XXXX  ( OPENED XX/XX/XXXX ) # XXXX XXXX ( OPENED XX/XX/XXXX ) # XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX ) # XXXX XXXX ( OPENED XX/XX/XXXX ) # XXXX ********** XXXX ( OPENED XX/XX/XXXX ) # XXXX XXXX XXXX XXXX XXXX ( OPENED XX/XX/XXXX ) # XXXX XXXX XXXX ( OPENED XX/XX/XXXX ) # XXXX FXXXX XXXX XXXX ( OPENED XX/XX/XXXX ) # XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX # XXXX 12 CFR 1022.3 Definitions Identity theft means a fraud committed or attempted using the identifying information of another person without authority. 
Anything added to your report without your written consent could be considered Identity theft 15 U.S. Code 1681e - Compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. 

( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Under 15 USC 1681a the term consumer report does not include anyreport containing information solely as to transactions or experiences between the consumer and the person making the report ; PLEASE REMOVE LATE PAYMENTS OR DELETE ACCOUNT Experian are intentionally effecting consumer ability to properly access credit extension to the consumer for PERSONAL, FAMILY and HOUSEHOLD PURPOSES.

15 U.S. Code 1692- Congressional findings and declaration of purpose ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. 
15 U.S. Code 6801 - Protection of nonpublic personal information- Law states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. DID THE EXPERIAN VERIFY THIS? 
( b ) Opt out ( XXXX ) In general financial institution XXXX not disclose nonpublic personal information to a nonaffiliated third party unlesssuch financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section XXXX of this title, that such information XXXX be disclosed to such third party ; the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

EXPERIAN HAS ASSUMED CONSUMER WAS MADE AWARE AND ASSUMED CONSUMER WAIVED OPTION TO OPT-OUT WITH THESE ACCOUNTS LISTED AS CHARGED-OFF OR DELINQUENT. 
XXXX CFR XXXX ( a ) Affiliate means any company that controls, is controlled by, or is under common control with another company. 
XXXX XXXX XXXX XXXX - Permissible purposes of consumer reports-any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a XXXX grand jury, or a subpoena issued in accordance with section XXXX of title XXXX or section XXXX of title XXXX. 
In accordance with the written instructions of the consumer to whom it relates. 
XXXX Purpose and scope- Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; Describes the conditions under which a financial institution XXXX disclose nonpublic personal information about consumers to nonaffiliated third parties ; XXXX XXXX XXXX XXXX - Civil liability for willful noncompliance In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer Under California XXXX Privacy Act- Consumer have the right to have Experian penalized {$2500.00} or {$7500.00} per violation. 
Under the XXXX XXXX XXXX these accounts being disputed are under investigation. 
The consumer also claims victim to Experian deceptive lies of its credit scores when it comes to lenders. Below is directly from the CFPB. Experian constantly engaged in unfair, deceptive, or abusive acts or practices, or that otherwise violate federal consumer financial laws. Experian claimed the credit scores provided to consumers were used by lenders to make credit decisions. Experian violated the XXXX XXXX XXXX Reform and Consumer Protection Act by deceiving consumers about the use of the credit scores it sold. 
The full text of the XXXX XXXX Order against Experian is available here : https : XXXX consent-order.pdf Experian is preventing consumer from the ability to XXXX XXXX XXXX of right to receive consumer own extension of credit under the Equal Credit Opportunity Act by continually to violate consumer rights by collecting and displaying non-factual personal information against consumer knowledge for Experian own deceitful and selfish gains. THIS HAS RESULTED AN ADVERSE EFFECT ON CONSUMER. 

IN ADDITION TO THE ABOVE REQUESTS/DEMAND CONSUMER REQUEST ITEMS BELOW -CONSUMER REQUEST OPTOUT OF ALL SHARING AND SELLING OF CONSUMER PERSONAL INFORMATION TO NON AFFILIATES OR XXXX PARTIES. 
-CONSUMER REQUEST COMPLETE FILE ON CONSUMER VIA EMAIL AND MAIL -CONSUMER ALSO REQUEST COPY OF E-OSCAR REPORT -CONSUMER REQUEST ALL DOCUMENTARY EVIDENCE OF ACCOUNTING OF CONSUMER INFORMATION -CONSUMER REQUEST IDENTITY, SOURCES, REASONS, AND TRANSACTIONS REGARDING INFORMATION ON CONSUMER REPORT AND ITS VALIDITY. 
Thank you,

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