Consumer complaint received 2023-09-29
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a XXXX  % service connected veteran that has served the United States as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am a decorated veteran and I deserve all of the fair and equitable rights entitled to me as a service member including fair and accurate reporting on my credit report. I requested that Experian remove XXXX from my credit report in violation as I am a victim of identity theft. This credit item was put on my credit report while I was serving XXXX XXXX during XXXX XXXX XXXX XXXX XXXX I have included the federal identity theft report XXXX as proof of my victimization. I have protection under The Servicemembers Civil Relief Act ( SCRA ) as well as the FCRA, FTC, XXXX, FDCPA to receive fair and equitable reporting of my credit report. To have a publicly traded federal financial intuition trading my public information via the XXXX XXXXXXXX XXXX to deny me my constitutional rights to fair and equitable reporting of my credit report is criminal and in violation of 12 USC 582 as I am having to spend floating rate notes to fight publicly traded bureaus like Experian to get my report accurate. Experian is trading my information using and receiving floating rate notes and refuses to follow the Consumer law. 15 USC 6802 which states : " ( 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. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the Consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the Consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the Consumer is given an explanation of how the Consumer can exercise that nondisclosure option. Experian has not provided to me under oath why you are still reporting an item on my credit report that I have reported as identity theft to the FTC. 

Experian is a Consumer financial institution reporting to the Securities Exchange Commission as a for profit corporation and a third party. I have not given Experian any permission to report any data that has not been properly validated personal information and data about me in any form written or otherwise for reporting to any other third party including secondary bureaus. This is a willful and a flagrant violation of my SCRA, FTC, FCDPA, XXXX and my constitutional rights as a veteran consumer. Experian has not validated this information under oath from the clerk of the court as true and accurate information. XXXX XXXX, a for profit corporation also reporting to the SEC can not validate or verify this information or any other third party who has not been granted written permission to use my personal data. Only the military can validate this information under oath reporting without permissable purposes and they dont report nor validate. Experian is securitizing my data and personal information but is refusing to provide me with accurate reporting and full disclosure related to my Consumer file. Please remove XXXX from my report. I will be filing an identity theft report against Experian for unlawful use my personal identifying information defaming my credit report by reporting unlawful information without my permission. I will also be reporting to the attorney general in your assigned state as well as the FTC, XXXX and the FDIC for unlawful use of my Consumer information for trading purposes on the XXXX XXXX XXXX and pooling purpose for raising capital for the company as well as accepting and trading floating rate notes and charging for accurate reporting using electronic funds transfer. Your integrity is to the Consumer you said you would uphold and protect. Finally, I will report Experian to the Federal Office of Ombudsman. This is my 3rd request. I should not have to take matters further, Your integrity should make motivate you.

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