Consumer complaint received 2021-11-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/21 I sent a complaint to the CFPB stating my cease and desist towards XXXX XXXX regarding the information and unknown things on my credit report. They weren't able to find the company on their database. Since the credit reporting agencies are liable for furnishing this alleged debt on my consumer report has violated my right to privacy by furnishing private information about me without any lawful authority or my written consent. 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 ). This reported information is only based solely on transaction and experiences between I, the consumer and XXXX XXXX. This is a violation of 15 USC 1681a ( 2 ) ( a ) ( i )., A consumer must be given a chance to direct whether they want the information about a transaction to be reported or not. This is referenced in the XXXX XXXX Act. I was not given the chance to opt-out of having this reported information about XXXX XXXX not being reported and is a violation of 15 U.S. Code 1681a ( 2 ) ( a ) ( iii ) and must be removed. I am aware a consumer reporting agency may furnish a consumer report in accordance with the written instructions from the consumer to whom it relates. Please provide the written instructions that I, the consumer gave to XXXX, EXPERIAN and XXXX which has authorized this furnished account. If you can not provide me with these instructions written by me prior to this notice XXXX, EXPERIAN and XXXX, which constitutes aggravated identity theft in accordance with 18 U.S.Code 1028A. The account XXXX XXXX must be removed. I am aware 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 the following all the purposes listed in section 1681b of this title 15. Any person, which includes an organization such as XXXX, EXPERIAN and XXXX who willfully and knowingly obtains information on a consumer, like I, from another consumer reporting agency, without the written instructions or authorization pursuant to 1681b is information obtained under false pretenses. You have no lawful authority and this is a crime under Title 18 and fines are described within 18 U.S.Code 3571. I feel like I'm being taken advantage of as consumer. I lost my job, apartment and car and this being furnished on my consumer report is only making the process more harder than what it already is not being able to be approved for anything I apply for. This account is adversely affecting my consumer report and costing me thousands of dollars in interest every year, this is not a regular dispute. I have filed a complaint with the Federal Trade Commision for identity theft pursuant to 15 U.S.C 1681a ( q ) ( 3 ) and Regulation V 12 CFR 1022.3 is a fraud committed or attempted using the identifying information of another person without authority. Please remove this account identity theft is being investigated by the FTC, According to FCRA 605b this information must be blocked immediately until the investigation is over. I need this problem fixed ASAP. I demand this account to be deleted immediately or I will pursue litigation due to the stress you caused me.

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