Consumer complaint received 2022-06-13
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:
15 U.S.C. 1681 Section 602 A : States I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C. 1681c. ( a ) ( 5 ) Section : States no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 USC 1681b : Permissible purposes of consumer reports ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer. ( 3 ) Information regarding inquiries : Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 

And after previous response on identifying the accounts and you will delete it pursuant to federal law and my written instructions and also detailed review of my consumer report these said inquires are all in violation of the FCRA as none of them is a creditor in such assignment transactions and nobody extended me credit not to mention the dealer is by law the only creditor and, by having no intention of extending the credit disclosed in the XXXX, it too violates the FCRA at 1681b but not only that I do not Recognize many of the mentioned inquiries ( INQUIRES LISTED BELOW ) XXXX XXXX XXXX XXXX XX/XX/XXXX Account name Date of request XXXX XXXX  XXXX XX/XX/XXXX Account name Date of request XXXX  XXXXXXXX XXXX XXXX XX/XX/XXXX Account name Date of request XXXX  XXXX NA XX/XX/XXXX Account name Date of request XXXX XXXX XX/XX/XXXX Account name Date of request XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Account name Date of request XXXX XXXX XXXX  XX/XX/XXXX Account name Date of request XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Account name Date of request US SM BUS ADMIN ODA XX/XX/XXXX Account name Date of request These accounts are in violation of but not limited to 15 USC 6821 ( a ) ( 2 ) USC and as 15 USC 6823 ( a ) says that whoever knowingly and intentionally violates section 6821 shall be fined under title 18 or imprisoned for up to 5 yrs, or both. I demand the said accounts be deleted for violations of multiple federal statutes and being a victim of identity theft ( ACCOUNTS LISTED BELOW ) Account name : XXXX XXXX Account number XXXX Account name : XXXX XXXX Account number XXXX Account name : XXXX XXXX XXXX  Account number XXXX Account name : XXXX XXXX XXXX XXXX 
Account number XXXX Account name : XXXX XXXX XXXX Account number XXXX Account name : XXXX XXXX XXXX Account XXXX XXXX Account name : XXXX XXXX Account XXXX XXXX Account name : XXXX XXXX XXXX  Account number XXXX And with me being a victim of identity theft the said accounts and inquires are possible risk of identity theft so I demand they be deleted from my file as pursuant to 15 USC 1681c-2 consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days

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