Consumer complaint received 2023-12-10
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
After looking at my consumer report, It appears to me that I am a victim of identity theft. There are collections, closed accounts, charge-offs, OUT DATED INFORMATION and inquiries that are fraudulently being reported. These accounts are indeed fraudulent, containing inaccurate information and multiple discrepancies that are being reported on my consumer report. In pursuant to 15 U.S.C 1681 section 604 A section 2 : it states that a consumer reporting agency can not furnish an account without my written instructions. Pursuant to this none of the consumer reporting agencies asked nor were they ever given my permission to furnish this information. I state I DID NOT give written consent to any of the consumer reporting agencies to furnish any of this information. The consumer reporting agencies have assumed this vital role, and infringed my rights both personally and as a consumer. Pursuant to 15 U.S.C 1681 ( 4 ) My privacy has been invaded and damages have been done to my mental health by the added stress of such reports on my credit score that have been a total invasion of privacy. These accounts are damaging my good credit reputation and have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Closed Accounts : XXXX XXXX. Collection Accounts : XXXX XXXX # XXXX ( Original Creditor : XXXX XXXX XXXX ), XXXX XXXX XXXX # XXXX ( Original Creditor : XXXX XXXX ). INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX AND ALL OTHER INQUIRIES NOT LISTED, REMOVE THESE IDENTITY THEFT ACCOUNT ASAP!!! 5 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. According to 15 USC 6802- Obligations with respect to disclosures of personal information ( a ) Notice Requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a Notice that complies with section 6803 of this TITLE. NOTICE TO PRINCIPAL, NOTICE TO AGENT AND NOTICE TO AGENT IS NOTICE TO PRINCIPAL. Please be advise this is my FINAL WRITTEN request and final warning that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights to seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. All of these accounts have violated the laws listed above According to FCRA AS WELL AS THE GRAHAM-LEACH-BLILEY ACT : FINANCIAL INSTITUTIONS COVERED BY THE GRAHAM-LEACH-BLILEY ACT, MUST TELL THEIR CUSTOMERS ABOUT THEIR INFORMATION SHARING PRACTICES AND EXPLAIN TO CUSTOMERS THEIR RIGHT TO " OPT OUT " IF THEY DON'T WANT THEIR INFORMATION SHARED WITH CERTAIN THIRD PARTIES. NONE OF THE ACCOUNTS LISTED ABOVE FOLLOWED THE REQUIREMENTS OF THE PRIVACY RULE!

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability. Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as copies of the letters sent to your company of the debt validation request sent by certified mail number XXXX and Fault with Opportunity to Cure letter sent by certified mail number XXXX to XXXX XXXX XXXX which the company received but failed to validate not respond, as well as a copy of the debt validation request sent by certified number XXXX and Fault with Opportunity to Cure Letter sent by certified mail number XXXX to XXXX XXXX XXXX which the company received but fail to validate nor respond. INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly. In response to your results, I sent a Verification Request to your company by certified mail XXXX which you received but failed to respond nor provided the requested verification such as Who verified these accounts and complete method of verification. Also included was a notice of fraud and final Plea. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. FURTHERMORE, I did not consent to e-Oscar or any means of automated verification. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my RIGHTS. Please be aware I am including a copy of my complaint to the agencies/organizations below : CC Director of Consumer Financial Protection Bureau , CC : Attorney Generals Office, CC : State Senate , CC : Federal Deposit Insurance Corporation , CC : Comptroller Of The Currency, CC : Federal Reserve System, CC : Credit and insurance, CC : Federal Trade Commission , CC : State Regulatory agency . 

All rights reserved, 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 explanation