Consumer complaint received 2023-07-19
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XX/XX/2023 I recently reviewed my credit report and came upon the above referenced XXXX  XXXX Bankruptcy filings. The Credit Bureau Agency XXXX have been contacted and they report in their investigation that the Bankruptcy Court furnished or reported to them the above matter belongs to me. I declared there is an error, as the report is showing a lot of incorrect information and the act may have violated Federal and Nevada State privacy laws by submitting such information directly to the credit agencies, XXXX. Experian, XXXX, XXXX, and XXXX XXXX XXXX. Now I've contacted the Bankruptcy XXXX and asked them if they violated Nevada Bankruptcy and XXXX XXXX laws by providing, OR giving permission of the above referenced matter, to Experian, XXXX, XXXX and or XXXX XXXX XXXX. In response from the United States Bankruptcy XXXX XXXX XXXX Nevada on XX/XX/2023 that was mailed back to me stating, " The Bankruptcy Court does not report information to credit bureaus. FACT # XXXX Federal Privacy Act of 1974-5 U.S Code Section 552a. This law applies to the access to, and disclosure of, records of individuals held by Federal executive and regulatory agencies. It requires such agencies, with some exemptions, to limit disclosure provide access to the individual, and to apply basic Fair Information Practice Principles to such records containing the personal information of individual U.S. citizens and legal alien residents. FACT # 2 A prevailing plaintiff may recover the costs of the action plus the greater of ( 1 ) Statutory damages of {$2000.00} for each act of unauthorized inspection or disclosure or ( 2 ) the sum of actual damages plus, in the case of a willful inspection or disclosure, or an inspection or disclosure resulting from gross negligence, punitive damages. XXXX XXXX XXXX ( c ) .Now I have sent your company an AFFIDAVIT OF FACT and it was declared under penalty of perjury that the afore mentioned is true and correct. All I have been getting is stall letters that is damaging my reputation. I noticed that the account # XXXX XXXX is XXXX reporting. Pursuant to 15 USC1681b. I am demanding to see in writing where I gave your company written instruction or permission to report on my Consumer Report? All of these violation are a direct violation of 15USC1681. I intend to sue. No consent is identity theft and these violation are Aggravated Identity theft, pursuant to 18USC1681b ( 1 ) ( A ) ( ii ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a FELONY punishable up to 2 years of imprisonment, in addition to civil liability.

For damages I am invoking my rights as a consumer pursuant 15USC1681 ( n ) civil liability and I demand compensation for every violation listed below, 1. Permissible purpose {$100000.00} 2. Defamation of character {$100000.00} 3. Damaged reputation {$300000.00} 4. Damaged Credit Worthiness {$400000.00} 5. Damaged mode of living {$400000.00} 6. Infringed on right to privacy {$500000.00} Cease and desist the reporting of this erroneous and deceptive information on my consumer report. DELETE this account # XXXX XXXX from consumer report and all of your systems. If you refuse to comply I will sue for more than what you can bargain for. I didn't give you or your company consent to do what you're doing. You have 30 days from this complaint to comply.

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