Consumer complaint received 2022-07-13
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have reason to believe the organizations involved in this complaint knowingly and willingly engaged in unlawful extortionate means to bring harm to me and my financial reputation. I have been financially ruined due to the fraud that has taken place. Each financial institution involved had an obligation under the Gramm Leech Bliley Act to protect my nonpublic personal information against unauthorized access to or use of such records or information. This has not been the case. Due to this failure to protect my right to privacy, I have received substantial harm and inconvenience. Due to this ring of illegal activities, I am now XXXX forced to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My life is being ruined for unjust enrichment. 

I have reasonable cause to believe XXXX, XXXX, and Experian are guilty of engaging in a pattern of racketeering activity and receiving the proceeds of extortion to fund their illegal criminal enterprise. As a consumer reporting agency that compiles and maintains files on consumers on a nationwide basis, I am aware that my consent is required to disclose nonpublic personal information to nonaffiliated third parties. The consumer reporting agencies have aided and abetted the financial institutions involved in unlawful extortionate means to collect on extensions of credit and punish me for the nonrepayment thereof. 

In a written statement made by XXXX XXXX XXXX, Deputy General Counsel of XXXX XXXX XXXX XXXX on XX/XX/2022. ( Attached : Statement ) He states, Per our agreement with the credit agencies, we are required to report charged off loans. I have reason to believe these agreements with financial institutions now implicate the consumer reporting agencies in a conspiracy to punish consumers for the nonrepayment of an extension of credit. I have reason to believe the consumer reporting agencies are engaged in unlawful extortionate means with forethought and malice to coerce me to make payments on alleged debts that were in fact billing errors. I am aware that nothing under the Fair Credit Reporting Act requires negative information to be furnished to the consumer reporting agencies. 

I DID NOT and I DO NOT consent to any negative information being disclosed to any nonaffiliated third parties. The disclosure of customer information of a financial institution without my lawful authority has been committed with forethought and malice and constitutes aggravated identity theft. This is a violation of 18 U.S. Code 1028A.

Due to the statement made by XXXX XXXX XXXX, Deputy General Counsel of XXXX XXXX XXXX XXXX, I have reason to believe my right to privacy has been violated with forethought and malice as a means of punishing me for the nonrepayment of an extension of credit. Due to this pattern of racketeering activity, I am being restrained from extending credit and operating in commerce. Due to the mutually beneficial business relationship, the consumer reporting agencies share with other financial institutions and the multiple verified responses I received while disputing this inaccurate information, I have reason to believe this is exactly what they wanted. 

If the executive members of each consumer reporting agency can not provide me with proof, I gave my lawful authority for their organization to be in possession of my nonpublic personal information, my nonpublic personal information has been fraudulently obtained. 

The following organizations that have been implicated in this pattern of racketeering activity thus far include, but are not limited to, the following : XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. 

The following individuals that have been implicated in this pattern of racketeering activity thus far includes, but is not limited to, the following : XXXX and XXXX XXXX XXXX XXXX of XXXX XXXXXXXX XXXX  XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX & XXXX XXXX XXXXXXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXXXXXX & XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX of Experian XXXX XXXX XXXX XXXX XXXX of Experian XXXX XXXX XXXX XXXX XXXX of Experian XXXX XXXX  XXXX XXXX XXXX of Experian XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of Experian XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX of XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

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