Consumer complaint received 2023-12-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Experian Credit Reporting has with out my permission invaded my privacy has defamed me and my credit history and actions of them being above the law by reporting missed or late payments or derogatory indicators on my credit report, including the number of missed payments, how late they were and how recently they occurred, are correlated with derogatory statements of delinquency, late payment, balance owed, collections, charge off and all negative information such as potentially negative statements on each account. Under the color of the law you have made unlawful inaccurate statements knowingly and willfully with prejudice posted on my credit report and you must ask me permission to give my private information to any source that request to obtain my personal private information and Experian not one time asked permission from me to use my Tax i.d . number or furnish information about my tax i.d . number.

Experian acted on there own behalf and made money with my information with out my knowledge or consent many times. This action amounts to fraud. Experian must ask for my permission to give my information to anyone. PERIOD.. And to add to the intensity Experian made inaccurate reports about my private life and destroyed my reputation and any chance to obtain credit. So they are above the law and commit fraud and make false misleading accusations about me and this is defamation. This attack on me has impacted my life. 
Furthermore I never gave you ( Experian ) Consent nor permission via a written agreement to furnish these bias damaging information on my consumer credit reports. I only authorized you to use my social security number one time. You have used my ( social security number ) everyday as to date and of the last month XXXX and XXXX repeatedly obsessive. Furthermore, because my social security number was used and I received NO benefit from each single transaction each unauthorized pursuant to Law. This is proof of fraudulent activity ( unauthorized use of Social Security Number or Tax ID ) on behalf of Experian they failed to make any reasonable procedures to resolve this matter instead smutted me up and while doing that were making money with my name social security number and and my private information. Also they failed provide obtain where they got this information? Who from? And could not explain Who are you? Who gave you power and permission to make these reports in the first place? What makes Experian have the authority to publish such information and that since they validate it then it must be true facts. What makes you so superior to be a true reliable source of information. What law and regulations to you stand behind to allow this corrupted reporting about a consumer and making your information of findings to be verified by you so you are the LAW and can make these reports public and available since you are verified these information its Reliable and true and banks need to believe and listen you? This organization Experian is running a corrupt enterprise and is violating my privacy rights and using my information and then with my own private information use my information against me to destroy my reputation and put me in financial distress caused me to put hours hours of going through every single piece of information you hold onto of mine that I never I did not give Experian to look for my information and resources to hold onto my personal information and then sell it to companies for profit and i received No profit from there business use of my name number and personal information. Experian does not have the right, the jurisdiction, the power, the authority they do not have any law supporting them to allow them to use information about anyone. Permission is the key factor here. Who gave Experian permission to illegally use my social security number name and personal data to access it sell it and then deprive me from my own identity and aiding in stopping me from extending my credit. I respectfully and repeatedly asked Experian to remove the information and they would not do so? Experian is well aware of the laws and procedures and they know the impacts that will occur by reporting negative information this proves intent knowing and willing did report my private information and is going to compensate me for the use of my social security number and damages to my credibility, credit worthiness reputation, and life. 
I will indeed make Experian Credit Bureau criminally and civilly liable for all actual violations ( { {$1000.00} } per violation ). 

And moving right ahead I demand all the history of late payments with delinquency that was furnished by Experian in reporting the late payments and how much I owe? you violated my rights to have privacy Title 15 USC 1681 can ( ( A ) ( 5 ) Federal Credit Reporting Act. Title 15 USC 1681 sec 602 A : states I have rights to my privacy Title 15 USC 1680 a ( 2 ) ( i ) Consumer reports does not include reports continually Soley to a transaction or experience between consumer or person makingTitle 15 USC 1680 ( 1 ) ( b ) ( A ) g ( 2 ) states you can not post any personal information without my written consent. 
Under these laws in place I respectfully ask for all the presence of missed or late payments or derogatory indicators on my credit report, including the number of missed payments, how late they were and how recently they occurred, are correlated with derogatory statements of delinquency, late payment, balance owed, collections, charge off and all negative information late history balance owed delinquent statements ect be removed. If this is not timely done I will hand this over to Attorney General Office. I also order you to stop reporting my credit report stop using my social security number stop using my information stop looking in my private life You do not have my PERMISSION or CONSENT to report anything about me to anyone You not have any authority over me allowing you to continue reporting anything about. If you are contacted by someone who wants my information then you can contact me and ask? Other wise you dont have the right to make decisions for me and give information out about me that will damage my credit damage my financial situation or be denied a home to live in or denied to get a vehicle ect. I ORDER YOU TO STAY OUT OF MY BUSINESS YOU ARE NOT ALLOWED TO USE MY INFORMATION EVER AGAIN NEVER AGAIN CAN YOU USE MY INFORMATION FOR YOUR OWN GAIN BUT YOU ARE NOT EVEN ALLOWED TO SELL IT OR LOOK FOR IT. Its none of your business who are you to think you are XXXX and can stand between me and my personal business and private life. No more warnings. I will prosecute and file lawsuits and put and end to this illegal practices.

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