Consumer complaint received 2023-06-21
Company: Experian Information Solutions Inc.
State: MA
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:
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.

Pursuant to 15 USC 1692a ( 3 ) I am the consumer, and I never gave ANY REPORTING AGENCY DIRECT written consent to report anything on my consumer report, no consent is IDENTITY THEFT.

Pursuant to 15 USC 1692c ( c ) ( 2 ), I am invoking my specified remedy, as a consumer and the original creditor.

I declare under the penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL AND STATE LAW to file this dispute. I also understand that knowing and willful misstatement or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621.

The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization -used my personal identifying information to apply for goods, services, or money ; and was successful in creating some accounts. All is being investigated by the FTC.

I am presenting myself as a federally protected consumer and to my understanding you have assumed a vital role in assembling and evaluating consumer credit. I also understand that you have been developed to uphold a consumers credit worthiness, credit standing, credit capacity, character and most of all the REPUTATION of consumers. While looking at my consumer reports, I noticed accounts that were listed without my permission and written instruction. This is a violation of federal law pursuant to 15 USC 1681b. I want these accounts deleted immediately.

I'm annoyed that you have fused the information underneath in my credit profile and that you have failed to keep up reasonable techniques in your exercises to ensure the most limited possible precision in the credit reports you disseminate. Credit declaring laws ensure that offices report simply 100 % careful credit information. Every movement ought to be taken to ensure the information point by point is absolutely exact and right. The going with information in this manner ought to be re-explored.

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( consumer right to privacy ) - ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I have a right to privacy.

15 U.S. Code 1681b - Permissible purposes of consumer reports. Pursuant to 15 usc 1611 { bureau_name } is criminally liable.

( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
I, XXXX XXXX never gave EXPERIAN, XXXX and XXXX any written consent to report anything on my consumer report, no consent is IDENTITY THEFT. 
An alleged debt being furnished on your " credit '' report IS a violation of 15 usc 1692b. ( 2 ) it is also advertising to coerce payment. Which is illegal. I am demanding that you remove these transactions from my report immediately as they are a violation of my rights as a federally Protected consumer under title 15 chapter 41. Concerning the accounts listed below as a consumer I'm demanding a deletion of these accounts. This is my THIRD AND LAST ATTEMPT to reach out.

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