Consumer complaint received 2023-01-30
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I hereby put you on notice. I DID NOT GIVE YOU WRITTEN INSTRUCTIONS to report THIS ACCOUNT TO MY CONSUMER REPORT 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

I have the right to privacy and no said company has respected that which would further more draw the line for me to file Civil charges in such said fraudulent activity. Each document that has been recently submitted with these forms will document how many times a debt collector has harassed me daily on my mobile device constantly threatening me with civil charges that has not ever came. I have sought out to have my credit froze due to this data breach and Identity theft. Neither said companys above has actually stop reporting Alleged accurate or inaccurate information until this DISPUTE HAS BEEN FINANLIZED. I have been consistently defamed of my character with a low credit score reporting with no VALID INFORMATION being given to me. I have also been denied credit on numerous of occasisions from credit card comapnies and loan companies. I request that all information that has been deemed to be Alleged Verified be removed from my credit report unless such said party can send me the ORIGINAL DOCUMENT WITH THE WET SIGNATURE that I did business with such said companies Reported above and originally in the dispute. In conclusion, The Consumer Financial Protection Bureau and the FTC will be CCd due to your companys negligence. Delete all accounts listed above from my consumer report, your agency is in clear violation of 15 USC 1681 and all of its subsections. Failure to respond with satisfactorily with deletion of the above referenced accounts, and send a free copy of my consumer report when these accounts have been deleted will result in legal action being taken against your agency, for which I will seek {$1000.00} per violation for : 7. Defamation of Character ( per se ) 8. Negligent Enablement of Identity Fraud 9. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] 10. Possible Damages per Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] 11. Aggravated Identity Theft per 18USC 1028 12. Mental Anguish I hope you understand the severity of situation. 

Best regards,

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 non-monetary relief