Consumer complaint received 2022-01-05
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:
XXXX XXXX XXXX XXXX XXXX XXXX. # XXXX XXXX, Tx XXXX EXPERIAN INFORMATION SOLUTIONS, INC. 
XXXX XXXX XXXX XXXX, Tx XXXX EXPERIAN INFORMATION SOLUTIONS, INC. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX CFPB Consumer Federal Protection Bureau EXPERIAN REPORT # XXXX Notice it is a fact, that I am a federally protected consumer, pursuant to 15 U.S Code 7006 holder in due course, attorney in fact for any and all derivatives thereof for the surname I have been appointed and accept being the executor for all matters proceeding, and I hereby claim that I will autograph for my given name ( XXXX XXXX XXXX and as the agent and administrator in fact. 
Notice it is a fact, that I am a federally protected consumer, debtor, and holder in due course pursuant UCC 3-306. 
Fact, EXPERIAN PLC a/k/a EXPERIAN INFORMATION SOLUTIONS, is a for-profit company which headquarters is located in the area of XXXX, XXXX. 
Fact, affiant is aware EXPERIAN PLC a/k/a EXPERIAN INFORMATION SOLUTIONS is a consumer reporting agency pursuant to 15 U.S. Code 1681 a ( f ) due to their business practices of collecting monetary fees, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. 
Fact, affiant is aware a consumer reporting agency needs written instructions by I, the consumer to furnish a consumer report. Without written instruction this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. By definition EXPERIAN PLC a/k/a EXPERIAN INFORMATION SOLUTIONS has committed identity theft. This is a violation of 15 U.S. Code 1681b ( a ) ( 2 ). 

Fact, affiant is aware that pursuant to 15 U.S. Code 1681e ( a ) maintain reasonable procedures designed to avoid violations under section 1681c which includes violations of permissible purposes, and affiant is aware, no consumer reporting agency can furnish a consumer report to any person without following all the purposes listed in section 1681b of this title 15.

Fact affiant is aware pursuant to 15 U.S. Code 1681g I, the consumer have the right to request a full file disclosure about the information within my consumer file which includes the sources of the information was used to verify the information before it was procured onto the consumer report. This includes the dates, original payees, and amounts of any checks, identification of each person ( including the end-users identified under section 1681e ( e ) ( 1 ) of title 15 that procured my consumer report, including their address and telephone numbers of the persons, a record of all inquiries received by the agency during the 1year period preceding my request in connection with the credit or insurance transactions not initiated by me, the consumer. If any of the following accounts do not have the sources of information available, they must be removed. The following accounts and inquiries require verification or they mut be removed : 1 ) DEPARMENT OF EDUCATION/XXXX- All 12 accounts Account numberXXXX Account statusOpen Date openedXX/XX/XXXX Account typeEducation Loan 2 ) XXXX XXXX XXXX XXXX Account numberXXXX Account statusOpen Date openedXX/XX/XXXX Account typeLease 3 ) XXXXXXXX XXXX XXXX Account number XXXX Collection openedXX/XX/XXXX Account typeDebt Buyer 4 ) XXXX XXXX XXXX XXXX Account numberXXXX Account statusClosed Date openedXXXX XXXX, XXXX Account typeCredit Card 5 ) XXXX XXXX XXXX XXXXXXXX Account numberXXXX Account statusClosed Date openedXXXX XXXX, XXXX Account typeCredit Card 6 ) XXXX XXXX Account numberXXXX Account statusClosed Date openedXX/XX/XXXXAccount typeCharge Card 7 ) XXXX Account numberXXXX Account statusClosed Date openedXX/XX/XXXX Account typeCredit Card 8 ) XXXX  Account numberXXXX Account statusClosed Date openedXX/XX/XXXX Account typeCharge Card INQUIRIES : XXXX XXXX Inquired onXX/XX/XXXX On record untilXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired onXXXX and 2 more EXPERIAN Inquired onXXXX and 6 more XXXX XXXX  Inquired onXXXX and 1 more XXXX XXXX  Inquired onXXXX and 1 more XXXX XXXX Inquired onXXXX and 3 more XXXXXXXX XXXX XXXX Inquired onXXXX and 2 more XXXX XXXX  Inquired XXXX and 2 more XXXX XXXX Inquired onXXXX and 2 more XXXX XXXX Inquired onXXXX and 2 more XXXX XXXX XXXX Inquired onXXXX and 2 more XXXX XXXX 2 Inquired onXXXX and 101 more XXXX Inquired onXXXXXXXX XXXX  Inquired onXXXX XXXX XXXX XXXX Inquired onXXXX and 1 more XXXX/ Inquired onXXXX XXXX  Inquired onXXXX XXXX Inquired onXXXX and 1 more XXXX Inquired onXXXX and 1 more XXXX-XXXX  Inquired onXXXX XXXX  Inquired onXXXX XXXX Inquired onXXXX XXXX XXXX  Inquired onXXXX and 101 more EXPERIAN Inquired onXXXX and 30 more XXXX Inquired onXXXX and 3 more XXXXXXXX Inquired onXXXX XXXX XXXX XXXX Inquired onXXXX XXXX Inquired onXXXX XXXX XXXX Inquired onXXXX and 10 more XXXX XXXX XXXX Inquired onXXXX XXXX XXXX XXXX Inquired onXXXX XXXX  Inquired onXXXX XXXX XXXX XXXX Inquired onXXXX XXXX XXXX Inquired onXXXX XXXX Inquired onXXXX XXXX XXXX XXXX Inquired onXXXX and 1 more XXXX XXXX Inquired onXXXX XXXX XXXX Inquired onXXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquired onXXXX and 11 more XXXX XXXX XXXX  Inquired onXXXX and 1 more XXXX XXXX  XXXX Inquired onXXXX XXXX XXXX  XXXX Inquired onXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquired onXXXX XXXX XXXX Inquired onXXXX XXXX XXXX XXXX Inquired onXXXX XXXX XXXX Inquired onXXXX XXXX XXXX Inquired onXXXX XXXXXXXX Inquired onXXXX and 1 more XXXX  Inquired onXXXX XXXX Inquired onXXXX XXXX Inquired onXXXX XXXXXXXX  Inquired onXXXX and 10 more XXXX XXXXL XXXX XXXX Inquired onXXXX and 3 more XXXX  XXXX XXXX XXXX  Inquired onXXXX EXPERIAN Inquired onXXXX and 1 more XXXX XXXX Inquired onXXXX and 1 more XXXX XXXX Inquired onXXXXXXXX XXXX XXXXXXXX Inquired onXXXX and 9 more XXXX XXXXXXXX Inquired onXXXX and 9 more XXXX XXXX Inquired onXXXX XXXX  Inquired XXXX and 1 more EXPERIAN Inquired XXXX and 1 more EXPERIAN Inquired onXXXX and 1 more EXPERIAN Inquired XXXX EXPERIAN Inquired onXXXX XXXX XXXX XXXX XXXX XXXX # Inquired onXXXX and 8 more EXPERIAN Inquired onXXXX CXXXX XXXX  XXXX Inquired onXXXX and 3 more XXXX XXXX XXXX Inquired onXXXX and 1 more XXXX XXXX  XXXX Inquired onXXXX XXXX XXXX XXXX Inquired onXXXX XXXX Inquired onXXXX XXXX XXXX XXXX  Inquired onXXXX XXXX Inquired onXXXX XXXX Inquired onXXXX XXXX XXXX XXXX Inquired onXXXX XXXX XXXX XXXX Inquired onXXXX XXXX XXXX Inquired onXXXX XXXX XXXX Inquired onXXXX XXXX XXXX Inquired onXXXX XXXX XXXX XXXX  Inquired onXXXX XXXX XXXX XXXX Inquired onXXXX XXXX Inquired onXXXX and 1 more XXXX XXXX XXXX Inquired onXXXX XXXX XXXX XXXX Inquired onXXXX XXXX XXXX XXXX XXXX Inquired onXXXX XXXX XXXX XXXX XXXX Inquired onXXXX XXXX XXXX Inquired onXXXXXXXX XXXX XXXX Inquired onXXXX XXXX XXXX XXXX Inquired onXXXX XXXX XXXX XXXX XXXX Inquired onXXXX XXXX XXXX XXXX Inquired onXXXX XXXX XXXX XXXX XXXX Inquired onXXXX XXXX XXXX Inquired onXXXX XXXX Inquired onXXXX XXXX XXXX XXXX Inquired onXXXX XXXX XXXX Inquired onXXXX and 1 more XXXX  You have 15 days from the date of delivery to respond to this notice. Should there be dishonor in the aforementioned requested documentation by way of unrebutted affidavit, failure to disclose requested documents, or failure of response and the particular requests to rectify any fault by XXXX XXXX a XXXX XXXX herein, will serve as acquiescence and your agreement to a default judgment against your company for the dishonor in the negotiable instrument, bank fraud, creation of the false and deceptive form, mishandling of goods, compromising my relationship with other financial institutions and including stress caused to me in the attempt of exercising my rights in good faith. However, I do in good faith expect you to handle these matters with ordinary care to address all subject matter. Respectfully XXXX Whereas, I of age, of majority, give this herein notice to all, I make a solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it XXXX XXXX XXXX XXXX  I swear that all information provided herein and do so under penalty of perjury that the information is true, correct and accurate to the best of my ability and knowledge, so be it. 

XXXX XXXX, consumer/natural person Mailed copies will be notarized

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