Consumer complaint received 2022-11-18
Company: Experian Information Solutions Inc.
State: TX
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:
EXPERIAN XXXX. Is actively 15 U.S.C. 1681 616 CIVIL LIABILITY. FOR WILLFUL NON COMPLIANCE. 
15 U.S.C. 1681 617 CIVIL LIABILITY FOR NEGLECTFUL NOB COMPLIANCE.

OBTAINING INFORMATION UNDER FALSE PRETENSES.15 U.S.C . 1681 604 PERMISSBLE PURPOSES. 15 U.S.C 1681 609 DISCLOSURES TO CONSUMERS .15 U.S.C. 1681610 DELETION OF ALL DISPUTED INFORMATION 15 U.S.C. 1681 606 .15 U.S.C. 1681 A4 - INVASIONS OF CONSUMERS PRIVACY 15 U.S.C. 1681Ia [ 1.a ] DELETION of all or any INACCURATE, ERRONEOUS, accusation of ADVERSE information to the CONSUMER 'S credit reports WHILE UNDER INVESTIGATION This information was a response that immediately should has been reported to all CRA - CREDIT REPORTING AGENCIES. THE CONSUMER IS AWARE OF YOUR WILLFUL AND NEGLECTFUL NONCOMPLIANCE AGAINST THE CONSUMER REPORTS AS WELL AS FRAUD, MALISCIOUS MEDICAL IDENTY THEFT MALISCIOUS DEFAMATION AS WELL AS APPLIED CRIMINAL THEFT OF THE CONSUMER INFORMATION EXPERIAN XXXX. WITHOUT COMSUMER WRITTEN PERMISSION ACCESSED CONSUMER 'S CREDIT REPORTS ITSELF HAS APPLIED WITHOUT NOTIFICATION, OR PERMISSION TO CONSUMERSEXPERIAN XXXX. 'S EXPRESSED OR WRITTEN CONSENT FOR EXPERIAN XXXX. TO DO SO. YOU - EXPERIAN XXXX. ARE NOT THE CONSUMER - EXPERIAN XXXX. HAVE NOT BEEN GIVEN. ANY EIGHT UNDER XXXX OF LAW OR FEDERAL LAW TO DO SO. GET YOUR XXXX OF MY REPORTS! THE CONSUMER HAS FILE AN INDENRITY THEFT REPORT ON YOU EXPERIAN XXXX. THE FEDERAL TRADE COMMISSION HAS BEEN IMFORMED AS WELL AS A WRITTEN COMPLAIMT ON YOUR ACTIONS DONE AGAINST THE CONSUMER WITHOUT WRITTEN CONSENT TO INVADE HIS PRIVACY AND SUBMITTING FALSELY REPORTED WITHOUT CONSENT OR FEDERAL POLICY TO DO SO. A COPLAINT AGAINST YOU IS GOING OUT TOMORROW. AGAINST EXPERIAN XXXX. XXXX & XXXX XXXX. 15 U.S.C. 1681 AND YOUR ACTIONS PERTAINING TO OPENING AND LEAVING THE CONSUMER 'S CRA INFORMATION OPEN WILL MAKE YOU ACCOUNTABLE. AS WELL AS HIDING INFORMATION VIOLATIONS OF 15 U.S.C. 1681 616 ( a ) ( ( A ) ( B ) ( 1 ) ( B ) ( 2 ) ( 3 ( B ) ( c ), 15 U.S.C. 1681 617 ( a ) ( 1 ) ( 2 ) ( a ) ( a ) ( 1 ) ( 2 ) ( b ) 15 U.S.C. 1681 619 [ 15 U.S.C.1681 [ p ] [ 15 U.S.C . 1681 q ] NOW in affect along with consumer 's report to the FTC, & FDCPA. NOW THAT YOU UNDERSTAND THE FEDERAL LAWS AS WELL AS YOU NOT NOTIFIING THE CONSUMER OF OTHER HIDDEN INFORMATION TO DEFAME THE CO NSUMER BEEN HIDING DELETE THIS ILLEGALLY PLACED INFORMATION THAT YOU WITH INTENT APPLIED AND HIDE FROM THE CONSUMER 'S CREDIT REPORTS IMMEDIATELY! INCLUDING THE NEWS YOU RECEIVED EARLIER ILLEGAL VIOLATIONS AGAINST THE CONSUMER. EXPERIAN XXXX, " YOU '' HAVE BEEN UPDATING, ADVERSE, NEGATIVE & INCORRECT INFORMATION ON FRAUDULENT USING ADVERSE " XXXX OF LAW '' POLICY FALSE INFORMATION WITHOUT CONTRACT OR CONSENT WHICH MAKES YOU GUILTY AND I GAVE YOU EXPERIAN NO WRITTEN PERMISSION! A CLEAR VIOLATION OF 15 U.S.C.1681 BY UNLAWFUL APLICATION OF PRIVATE MEDICAL FACTA - ANOTHER VIOLATION OF HIPPA LAW!! EXPERIAN XXXX, VIOLATED FEDERAL LAWS THAT PROTECT THE CONSUMER THROUGH THE FEDERAL ENFORCEMENT OF THE FCRA, FTC , 15 U.S.C.1681I [ 1.A ], THE FEDERAL TRADE COMMISSION BY UPDATING ILLEGAL & ADVERSE AS WELL AS ACCOUNTS UNDER WHICH FEDERAL RULE SSR 79 - 4 AS WELL AS THE INSOLVENCY ACT. 15 U.S.C. 1681 A4 INVOLVES INVASION OF PRIVACY IN WHICH THE CONSUMER IS ENTITLED TO. 15 U.S.C. 1681I [ 1.A ] IN WHICH THE CONSUMER HAS A RIGHT TO HAVE ANY ACCOUNT THAT IS DISPUTED REMOVED FROM THE CONSUMER 'S CREDIT REPORTS WHILE UNDER INVESTIGATION. IT IS ILLEGAL TO UPDATE INCORRECT, FRAUDULENT, INFORMATION ON A CONSUMER 'S CREDIT REPORTS!! AS INFORMED BY THE FTC IN XX/XX/XXXX IT WAS NOTED ON THE ACCOUNTS THAT APPLIED WITHOUT THE CONSUMER 'S CONSENT! " YOU '' EXPERIAN DID THIS WITH WILLFUL & NEGLIGENT NON COMPLIANCE!! 

EXPERIAN HAD NOT ONLY UPDATED. ADVERSE ACCOUNT NOW! AND STILL HAS INCORRECT ON THE CONSUMER 'S ACCOUNT AS OPEN WHEN THEY WERE NOTED THERE ARE ALREADY MEETINGS IN XXXX AS WELL AS THE INACTION BY THE CFPB DURING XXXX YET THIS INACTION ALSO DEMANDS THE INVESTIGATION BY THE XXXX XXXX XXXX FOR ACTUAL VIOLATIONS OF FEDERAL LAW INVOLVING FRAUDULENT STUDENT LOANS STILL SITTING ON CONSUMERS CREDIT REPORTS. THAT ARE INCORRECTLY BEING REPORTED BY THE CREDIT BUREAUS ILLEGALLY. BECAUSE PEOPLE ARE IGNORING REPORTED VIOLATIONS OF FEDERAL LAW WITH WILLFUL NON -COMPLIANCE AS WELL AS NEGLIGENT NON COMPLIANCE BY THE BUREAUS AND CFPB THEMSELVES. REMOVE ALL ADVERSE, NEGATIVE, ADVERSE, INCORRECT ERRONEOUS AND FRAUDULENT ITEMS. OFF THE CONSUMER 'S CREDIT REPORT IMMEDIATELY!! AND YES I AM STILL FILING LAWSUITS AGAINST ALL BOARDS ALL CEOS ALL CRAS INVOLVED IN THIS XXXX OF LAW COMPLAINT. AS WELL AS FILING AGAINST THOSE WHO INFRINGED ON MY RIGHTS AND CAUSED ME GREATER INJURY THROUGH INACTION WITH NO RELIEF AND IT WILL SIT ON YOUR CREDIT REPORTS! 

View full complaint Sent to company Company responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response The account has been returned to XXXX XXXX XXXX XXXX and our reporting of the account is in the process of being removed from the three credit bureau files. Please allow 5 to 7 days for process to be completed. Delete this XXXX AND GET OFF MY CREDIT REPORTS NOW!! GUILTY PARTIES PRETENDED TO AND STATED FALSE INFORMATION STATING " THEY WERE ATTORNEYS '' TO GAIN ACCESS TO THE CONSUMER 'S REPORTS!! IMMEDIATELY! AND YOU HAD BETTER DELETE ALL FALSE IDENTITY THEFT ACCUSATIONS, FALSITY OF CONSTRUCTED ERRONEOUS IMFORMATION from ADVERSE PARTY DISPLAY HIPAA VIOLATIONS OF PERSONAL PRIVATE MEDICAL INFORMATION UP REQUEST FOF VALIDATION! THIS DECEPTIVE COMPANY VIOLATED FDCPA LAWS AND EXPERIAN VIOLATIONS OF THE FAIR CREDIT REPORTING ACT. THEREFORE ALL EVIDENCE WAS REPORTED TO THE CFPB & THE FEDERAL TRADE COMMISSION! It is against the Law to re XXXXage update anything I've 11 years or more to re-age a fraudulent debt especially anything that states TRANSFERRED, CLOSED AND " SOLD '' WITH THE SAME ACCOUNT NUMBER!! ALL COMPANIES INVOLVED IN FRAUDULENT LOAN PRACTICE THE ACCOUNT IS STILL INVALIDED VIA FEDERAL ACTIONS IN XXXX FRAUDULENT LOAN SCAM! THEREFORE DELETE ANY UPDATING OF NUMBERS, AMOUNTS OR INTEREST. ALL ITEMS " THE AMOUNT SHOULD SHOW " XXXX '' PAID AS AGREED. '' ANY FRADULENT LENDING PRACTICES ACCOUNT WILL BE IN VIOLATION OF THE FAIR DEBT PRACTICES ACT. ACCOUNT AMOUNTS SHOULD BE THE SAME AMOUNT!!

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