Consumer complaint received 2023-05-05
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Name XXXX XXXX Address XXXX XXXX XXXX, XXXX XXXX XXXX ATTN : Experian, XXXX, XXXX As a federally protected consumer, Im aware thats youve assumed a vital role in assembling and evaluating information pertaining to me. Congress makes it known that I have a RIGHT TO PRIVACY as a federally protected consumer in which youve infringed upon without my lawful consent. Pursuant to 15 USC 1681, It is the purpose of the Fair Credit Reporting Act to insure that you exercise your grave responsibilities with fairness, impartiality in a manner which is FAIR AND EQUITABLE to me as the consumer! Inaccurate reporting impairs the efficiency of the banking system, weighs on my credit worthiness, and damages my character!

Your actions does not only violate the Fair Credit Reporting Act but it also violates the Gramm Leach Bliley Act! Pursuant to 15 USC 6802, Ive NEVER gave you or your nonaffiliated 3rd parties listed in this letter any form of lawful consent to share my nonpublic personal information! Im ordering you to Cease and Desist your illegal actions! This constitutes as aggravated identity theft for knowingly and willfully using my information without my lawful consent or any lawful authority pursuant to 18 USC 1028A!

Pursuant to 15 USC 1681c-2, Federal Law states that no later than 4 business days after receipt of this notice, you shall block the reporting of the identified information provided. Therefore, pursuant to 15 USC 1681b ( a ) ( 2 ) in accordance with my written instructions, my demands are as followed : 1. Account - XXXX XXXX Date - XX/XX/XXXX Demand Remove inquiry 2. Account - XXXX XXXX XXXX Date - XX/XX/XXXX Demand Remove inquiry 3. Account XXXX XXXX XXXX Date - XX/XX/XXXX Demand Remove ( account or late payment or inquiry ) 4. Account XXXX XXXX Services Date -Oct XXXX, XXXX Demand Remove ( account or late payment or inquiry ) 5. Account XXXX XXXXXXXX XXXX Date - XX/XX/XXXX Demand Remove ( account or late payment or inquiry ) 6. Account -XXXX Date - XX/XX/XXXX Demand Remove ( account or late payment or inquiry ) 7 Account- XXXX XXXX XXXX XXXX Date -  XX/XX/XXXX Demand Remove ( account or late payment or inquiry ) 8. Account XXXX XXXX Bank XXXX XXXX XX/XX/XXXX Demand Remove ( account or late payment or inquiry ) 9. Account - XXXX XXXX Date - XXXX XXXX Demand Remove ( account or late payment or inquiry ) 10. Account - XXXX XXXX Date - XX/XX/XXXX Demand Remove ( account or late payment or inquiry ) 11. Account - XXXX XXXX Date - XX/XX/XXXX Demand Remove ( account or late payment or inquiry ) 12. Account -XXXX XXXXXXXX XXXX XXXX Date - XX/XX/XXXX Demand Remove ( account or late payment or inquiry ) 13. Account -XXXX XXXX XXXX XXXX Date - XX/XX/XXXX Demand Remove ( account or late payment or inquiry ) 14. Account XXXX XXXX Date - XXXX XXXX Demand Remove ( account or late payment or inquiry ) 15. Account XXXX XXXX XXXX Date - XX/XX/XXXX Demand Remove ( account or late payment or inquiry ) 16. Account -XXXX XXXX XXXX XXXX Date - XX/XX/XXXX Demand - Remove 17. Account -XXXX XXXXXXXX Date - XX/XX/XXXX Demand Remove ( account or late payment or inquiry ) *Failure to comply with my expressed demands within 4 days, You will be held civilly and criminally liable for violating the Fair Credit Reporting Act, Gramm Leach Bliley Act and Aggravated Identity Theft* Sincerely, XXXX XXXX Last Name , First Name /Agent/Beneficiary Without prejudice, all natural inalienable rights reserved

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