Consumer complaint received 2022-05-17
Company: Experian Information Solutions Inc.
State: PA
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:
I did not authorize, consent to, nor benefit from any of the accounts reporting on my consumer report. BLOCK and DELETE ALL ACCOUNTS. 

After viewing my consumer report, I noticed several violations in my consumer report that is damaging me! You are on notice that you are in violation of the several subsections of the FCRA ( Fair Credit Reporting Act ) 15 USC 1681. I make it clear to your company and those in positions of authority at your company that congress makes it clear that the banking system is dependent upon my consumer reports being fair, and accurate to me, Pursuant to 15 USC 1681 ( a ) ( 1 ). Pursuant to 15 USC 1681 ( a ) ( 2 ), congress makes is clear that you are an elaborate mechanism with no real standing or authority!

I would like to state that Experian is in violation of 15 USC 1681 ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer. I the consumer never gave Experian any written consent to report anything on my consumer report! No consent is identity theft!! PURSUANT TO 15 USC 1681 ( A ) ( 3 ) YOU WERE NOT GIVEN THIS ROLE! YOU ASSUMED A VITAL ROLE, AND BECAUSE OF YOUR ASSUMPTION YOU HAVE NEGATIVELY AFFECTED MY LIFE, AND THOSE AROUND ME CAUSING ME SEVERE HARDSHIP, XXXX XXXX AND XXXX!! I HAVE BEEN UNABLE TO GET A JOB BECAUSE OF YOU ASSUMING THIS ROLE!!! 

Pursuant to 15 USC 1681 ( a ) ( 4 ) you were unfair in reporting this erroneous information without first consulting with me the consumer. You have no proof that this transaction even took place. You were also impartial because you allowed information to be reported while only hearing one side of the story. You also infringed upon my right to privacy by having a conversation about me with a third party and reporting this information as a result of that third party. I am demanding that this information be deleted as soon as possible. 

Pursuant to 15 USC 1681 ( a ) ( b ) you did not meet the needs of commerce because this was not fair and equitable to me. This information is not accurate, nor is it relevant to me. Nor was this false information properly utilized in a manner that is or was equitable to me. This transaction if it even took place should have been confidential so you in fact betrayed my confidence. 

If any account reporting on my Experian consumer report was a factual transaction ( which you would not know because you were not there ) it would in fact be a transaction that solely took place between me and the person who allegedly made this report. So pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), these items should not have been furnished in my consumer report in the first place and that it should be excluded from my consumer report! In addition, pursuant 15 USC 1681 ( a ) ( 2 ) ( B ), under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. This makes my social security card, drivers license/ID, and license plate credit cards that are/were allegedly used for the extension of credit. So pursuant to 15 USC 1602 ( g ) as well as 15 USC 1681 ( a ) ( 2 ) ( B ), and 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), all the alleged accounts Experian reports should be excluded and deleted from my consumer report!

PURSUANT TO 15 U.S. CODE 1681c ( a ) ( 5 ), which Experian also violated, it is required no consumer reporting agency ( which is you, Experian ) may make any consumer report containing any other adverse item of information. 

The reporting of all accounts on my Experian consumer report are violations of 15 USC 1681, and the Fair Credit Reporting Act.

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