Consumer complaint received 2022-12-30
Company: Experian Information Solutions Inc.
State: SC
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:
Experian, XXXX, and XXXX violated my rights and privacy and disregarded the fact that I'm a federally protected consumer and according to the 16 CFR 422 1-3 states any holder has the right to assert their rights and Per the FCRA as a federally protected consumer I am now opting out of any and all authorization. I the consumer may have given you written, unwritten verbal, nonverbal per 15 USC 6802. A charged off account is considered a certificate of indebtness which means income and income according to the IRS publication income has to be filed on my taxes and not reported to my credit report. Im now rescinding under the 1974 Privacy Act and XXXX has violated my rights and taken criminal action by reporting unlawful and invalid activities by reporting transaction history which is unlawful under 16 CFR 313.7 also XXXX and XXXX disregarded my privacy and rights as a federally protected consumer to gain profit. Therefore, the charged off XXXX account I am asking this to be blocked and removed immediately as set by law, also according to 15 USC 1666 b late payments shouldnt be reported as well, not to mention the violations of the Security and Exchanged Act. I would like the original documentary evidence that I owe this debt and have it forwarded to me and all relevant documents with proof, as well as the method used to verify that this account is accurate including name, address, and telephone number. Please do not merely contact the company electronically without a copy of this letter and all relevant enclosures and I'm not asking for an XXXX report. I also will require for purpose of discovery that all information from Creditor/Collection Agency be signed in ink by the officer of the company with the corporate seal or a notarized copy along with full direct contact information for this officer and if XXXX, Experian, and XXXX don't provide me documentation that in fact I authorized any of these accounts I want them removed asap and all XXXX credit bureaus have XXXX days to remove it by law. XXXX, Experian, and XXXX already have me as a victim of identity theft and they had it in their system as well, it's also on my credit reports. Credit alerts and monitoring services was also added to my profile. Im requesting Billing error status under 15 USC 1666A and while my account is in billing error status a company cant do adverse actions, threaten, report late or report delinquent on an account. I want the following accounts below blocked from my report and deleted immediately today! not XXXX days from now, theres no need to investigate when I clearly stated the laws that federally protects consumers When their rights and privacy are violated. These items can be removed immediately just by putting in the code for deletion, when Im stating the very consumer federal laws and Acts based off the FTC pursuant to section 605B. These creditors along with the credit bureaus and XXXX-party companies have shared and sold my information for interest and securities, and that put me in a lot of hardship and depression filled with heart ache, humiliation, and suffering and pain being a single father of XXXX kids, and having to experience the wrong doing and unlawful acts of these items being placed on my credit report hindering me from getting a home and the vehicle for us, because of the wrongful, inaccurate and illegal reportings. Things went downhill from there and truthfully and I should have been a part of the class action law suit for XXXX XXXX XXXX because they were doing shady, unethical and illegal things. I just recently hired a law firm enforcing consumer right under the FCRA Fair Credit Reporting Act. 15 USC 1681et seq. XXXX my behalf to seek all possible Remedies and damages associated with the Fair Credit Reporting Act laws. Please note that your credit reporting agency is now subject to federal consumer financial laws. Including among others, the FCRA and title X of the Dodd- Frank Act, and related regulations a ban on Abusive Acts or Practices { section 1031 of the Dodd - Frank Act } } By the way the address on my credit report is incorrect and its an nonmailable address. My address XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX and this is the only address I been at over 15 years and please make this update on my report and delete the other nonmailable address. The following accounts below I want removed asap : ALL XXXX ACCOUNTS on XXXX XXXX XXXX Block, optout, and Delete ALL Three accounts referencing the consumer laws and Acts I stated above that based on numerous violations and unlawful criminal activity that was done to me and my credibility XXXX NEVER LATE FOR XXXX Based on 15 USC 1666B. Billing error & Electronic Transfer Act and want removed from XXXX and Experian XXXX -- - Block, optout, and delete this account referencing the consumer laws and Acts I stated above that based on numerous violations and unlawful criminal activity that was done to me and my credibility and want removed from XXXX, Experian. and XXXX and I want it removed as well because of the violation of my rights and privacy according to many of the federal laws I stated above that all XXXX credit bureaus and more XXXX party companies have broken and XXXX, XXXX, and Experian are securitizing my data and every other consumer as well yet refuse to provide a copy of my file when I'm an investor in their companies by my information being sold as securities and I wanted to be compensated for the unlawful reporting and the pain, humiliation and suffering I been through being a single father trying to purchase a home at the time and the repossession of my truck has put me in financial struggles and unbearable hardship because of this criminal activity and sinister acts I would like compensation from all companies. 


Hard Inquiries : Please Delete all inquiries below based on 15 USC Permissible Purposes US DEPT. OF EDUCATIONXXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT OF EDXXXX

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