Consumer complaint received 2021-11-19
Company: Experian Information Solutions Inc.
State: VI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Notice, it is a fact, any person, which includes an organization such as Experian who willfully and knowingly obtains information on a consumer, like I the affiant from another consumer reporting agency, without the written instructions or authorization pursuant to XXXX is information obtained under false pretenses. They have no lawful authority and this is a crime under XXXX XXXX and fines are described within 18 U.S. Code 3571. And also I Notice, it is a fact, affiant is aware, pursuant to 15 U.S. Code 6801 ( a ) I, the affiant, has the right to privacy and the right to know where and how to direct the disclosure of my nonpublic information. Experian has continued to violate my consumer rights willfully and deceptively, while creating a hard time for me to get an apartment and or even obtain a vehicle and housing due to the numerous errors on their platform/website. Also in my studies I know it is a fact I the affiant am a consumer and has the right to privacy pursuant to 15 U.S. Code 1681 ( a ) ( XXXX ). Experian has violated my right to privacy by furnishing private information about me without any lawful authority or my written consent. I am also aware, all consumer reporting agencies must follow reasonable procedures pursuant to 15 U.S .Code 1681 ( b ). The reasonable procedures were not followed and this a violation of 15 U.S. Code 1681 ( b ). Also I am aware the term identity theft as described in 15 U.S. Code 1681a ( q ) ( XXXX ) and Regulation V 12 CFR 1022.3 is a fraud committed or attempted using the identifying information of another person without authority. From my knowledge a credit score is a risk score pursuant to 15 U.S. Code 1681g ( f ) ( XXXX ) ( A ) ( i ). Like other risk scores a credit score is a calculated score that tells you how severe a risk is, based on several factors to predict the likelihood of certain credit behaviors such as default, and also any person which includes an organization such as Experian who willfully and knowingly obtains information on a consumer like I, the affiant from another consumer reporting agency, without the written instructions or authorization pursuant to XXXX is information obtained under false pretenses. Experian has no lawful authority and this is a crime under XXXX XXXX and fines are described within XXXX XXXX XXXX XXXX upon my findings, pursuant to XXXX XXXX XXXX XXXX ( b ) ( XXXX ) financial institutions must insure the security and confidentiality of consumer records. Financial institutions must protect against threats and maintain the integrity of records. Lastly financial institutions must prevent unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer such as I, the affiant in fact. Also it is a fact based 15 U.S. Code 1692k ( a ) ( XXXX ) ( A ) states an individual action is a violation worth XXXX dollars for proceeding, however understand 15 U.S. Code 1692k ( a ) these violations have caused and continue to cause actual damages in my life, and has caused a different kind of hardship for myself and my family members and close relatives that depend on me daily, throughout their lives.

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