Consumer complaint received 2023-01-01
Company: Experian Information Solutions Inc.
State: MD
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:
I received your email Experian, you seem to be confused about my request to have negative items removed from my credit report. you Experian are committing fraud! According to chapter 15 U.S code section 1681 states a consumer report should not include a ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. to put in layman terms the experiences reported on my credit report like utilization is not permitted. all accounts on my report showing balances should be removed immediately! my accounts should show zero balances. all inquires should be removed. furthermore it also states that my report ( 2 ) does not include the age or gender of a consumer, demographic information about the consumer, including a consumers residence address or e-mail address, or any other information about a consumer that does not relate to the physical, mental, or behavioral health or condition of a consumer, including the existence or value of any insurance policy. you have all my personal information shown to the public and this violates my rights to privacy. this puts me in harms way and in danger. have all my information removed as soon as possible. Adding on ( A ) the consumer who is the subject of the communication ( i ) consents orally or in writing to the nature and scope of the communication, before the collection of any information for the purpose of making the communication ; ( ii ) consents orally or in writing to the making of the communication to a prospective employer, before the making of the communication; and ( iii ) in the case of consent under clause ( i ) or ( ii ) given orally, is provided written confirmation of that consent by the person making the communication, not later than 3 business days after the receipt of the consent by that person. this is self explanatory i did not ever gave you consent or permission orally or written to furnish my personal information. this is IDENTITY THEFT! XXXX XXXX XXXX XXXX. 
The term Commission means the Bureau. [ 3 ] ( w ) The term Bureau means the Bureau of Consumer Financial Protection. Experian why are posing as cfpb. you are a third party. reseller of my information. ( u ) Reseller.The term reseller means a consumer reporting agency that ( 1 ) assembles and merges information contained in the database of another consumer reporting agency or multiple consumer reporting agencies concerning any consumer for purposes of furnishing such information to any third party, to the extent of such activities ; and ( 2 ) does not maintain a database of the assembled or merged information from which new consumer reports are produced. 
XXXX XXXX XXXX XXXXXXXX. 
show me proof of any agreement that allows you to do this. if not you admit to knowingly breaking my federal laws and putting my life in danger.

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