Consumer complaint received 2023-12-04
Company: Experian Information Solutions Inc.
State: AL
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:
This complaint is against XXXX XXXX XXXX XXXX XXXX al XXXX XXXX XXXX XXXX al XXXX EXPERIAN et al | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX et al and the Presidents/CEO/Acting CEO/Presidents and or Successors, Assigns, Agents, and Representatives. We are FEDERALLY PROTECTED CONSULMERS. Our credits report ( XXXX ) AND file ( XXXX ) have erroneous reporting from XXXX XXXX XXXX XXXX XXXX al XXXX XXXX XXXX XXXX al XXXX EXPERIAN et al | XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX et al. We have been advised that CREDIT REPORTING is a form of collection strategy and we DEMAND that ALL credit reporting CEASE IMMEDIATELY XXXX XXXX XXXX XXXX XXXX al XXXX XXXX XXXX XXXX al XXXX EXPERIAN et al | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX et al and acting CEO/Presidents, et al are in direct violation of 15 USC 1692 e ( 8 ). We never received an initial communication from XXXX, XXXX XXXX XXXX XXXX, et al, which means they are in direct violation of 15 USC 1692 G ( a ) ( b ). We have NO CONTRACTS, AGREEMENTS, NO ACCOUNTS, NOR BUSINESS RELATIONSHIP and or AFFILIATIONS or PARTNERSHIPS, etc. with XXXX XXXX XXXX XXXX XXXX al XXXX XXXX XXXX XXXX al XXXX EXPERIAN et al | XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX et al ; NOR DO WE WANT ( DO NOT WANT ) TO CONTRACT AND OR CONSENT WITH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EXPERIAN XXXX aXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX al, or their BUSINESS RELATIONSHIPS and or AFFILIATIONS or PARTNERSHIPS ; nor any of the corporate names they hide behind, nor do i want to contract XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | EXPERIAN et al | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX et al. We are not a consumer of XXXX XXXX XXXX XXXX XXXX al XXXX XXXX XXXX XXXX al XXXX EXPERIAN et al | XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  et al and never was. We are not a customer nor patron XXXX XXXX XXXX XXXX XXXX al XXXX XXXX XXXX XXXX al XXXX EXPERIAN et al | XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX et al and never was, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX al XXXX EXPERIAN XXXX al XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX al nor have we ever been. We do not want to enter in to any binding contracts, agreements, or consents with XXXX XXXX XXXX XXXX XXXX al XXXX XXXX XXXX XXXX al XXXX EXPERIAN et al | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX et al. We never consented nor gave express permission in any form to XXXX XXXX XXXX XXXX XXXX al XXXX XXXX XXXX XXXX al XXXX EXPERIAN et al | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX et al to use or be in possession of any of our NON-PUBLIC PRIVATE/PERSONAL INDENTIFYING SOURCE DATA AND INFORMATION. This is a clear VIOLATION OF THE GRAMM-LEECH-BLILEY ACT. To be very clear, we DO NOT accept XXXX XXXX XXXX XXXX XXXX al XXXX XXXX XXXX XXXX al XXXX EXPERIAN et al | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX et al offers to contract. We DO NOT consent to ANY non-affiliated third-party XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX et al ) to be in possession of of our NON-PUBLIC PERSONAL AND PRIVATE INFORMATION. XXXX XXXX XXXX XXXX XXXX al XXXX XXXX XXXX XXXX al XXXX EXPERIAN et al | XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX et al has violated and is violating the laws and regulations pursuant to 15 USC 1692 and violating our rights since the very first time they received and came into possession of my non-public private and personal information, since the year XXXX - XXXX and XXXX to present day. 
Due to the nature of these multiple illegal and unlawful violations against XXXX, XXXX XXXX XXXX XXXX XXXX al XXXX XXXX XXXX XXXX al XXXX EXPERIAN et al | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX et al, we are DEMANDING {$11000.00} PER VIOLATION FOR EVERY MONTH AND YEAR IN VIOLATION. 
XXXX XXXX XXXX XXXX XXXX al XXXX XXXX XXXX XXXX al XXXX EXPERIAN et al | XXXX Consumer Assistance et al | LEXISNEXIS/LexisNexis Risk Solutions et al | XXXX, XXXX et al, CoreLogic XXXX et al has harmed us. XXXX XXXX XXXX XXXX XXXX al XXXX XXXX XXXX XXXX al XXXX EXPERIAN et al | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX et al has/is caused/causing financial hardships, health ailments, financial losses, emotional stress, mental distress, many missed nights of sleep, loss of credit opportunities to purchase consumer goods and services, etc. By XXXX BEING DENIED CREDIT due to derogatory INTENTIONALLY FALSE INFORMATION with the consumer reporting agencies/Credit Reporting Agencies or other consumer reporting companies/agencies. I HAVE NO CONTRACT CONTRACT WITH XXXX XXXX XXXX XXXX XXXX al XXXX XXXX XXXX XXXX al XXXX EXPERIAN et al | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX et al and I HAVE NO LAWFUL NOR LEGAL OBLIGATIONS to even communicate with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX al XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX al. 

BE IT KNOWN NOW AND FOREVER, this is NOTICE TO XXXX XXXX XXXX XXXX XXXX al XXXX XXXX XXXX XXXX al XXXX EXPERIAN et al XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX et al ; CEASE AND DECIST ALL UNLAWFUL AND ILLEGAL ACTIVITIES IMMEDIATELY. THIS IS NOT A REQUEST. THIS IS A LAWFUL DEMAND. THIS IS ALSO NOT A REQUEST FOR VERIFICATION, VALIDATION or ANY OTHER FORM OF REQUEST. THIS IS A NOTICE OF BOGUST DEBT. The matter has NOW BECOME VERY CLEAR that XXXX XXXX XXXX XXXX XXXX al XXXX XXXX XXXX XXXX al XXXX EXPERIAN et al | XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX et al obtained/PAID FOR our NON-PUBLIC PRIVATE PERSONAL INFORMATION WITHOUT OUR LEGAL AND LAWFUL EXPRESS P RIOR WRITTEN AUTHORIZATION and this constitutes AGGRAVATED IDENTITY THEFT pursuant to 18 USC 1028 A. Equifax/Equifax Information Services XXXX et al | XXXX XXXX XXXX al XXXX EXPERIAN XXXX al XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX et al shall also know that in the XXXX XXXX, Plaintiff, vs. XXXX XXXX, No. XXXX XXXX UNITED STATES XXXX XXXX FOR THE DISTRICT OF ARIZONA, XXXX, the courts ruled that REPORTING AN ( ALLEGED ) COLLECTION ACCOUNT ON A CREDIT REPORT IS INDEED considered COLLECTION ACTIVITY. 

This complaint also applies and includes all other consumer credit reporting/consumer reporting, public reporting, and data mining companies. The following companies but not limited to : CCC Verify et al, | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) | VIP Preferred.

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