Consumer complaint received 2022-04-26
Company: Experian Information Solutions Inc.
State: OH
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:
My name is XXXX XXXX. I am a real person. I am not a credit repair team. I have been handling my responsibilities and Ive come across people that have made it harder for me by violating my federally protected rights. 
XXXX continues to violate my rights by furnishing accounts that arent mine without my written instructions and consent while also violating my right to privacy by communicating with furnishers to obtain information without my permission especially when I have told them that the accounts aren't mine! They have violated my right below to no delete Immediately if the consumer believes the information on their report is incorrect or not theirs. 
Experian has refused to honor my investigation and havent deleted the accounts from my credit report. They have no permission to furnish these accounts and have continued to violate my rights. Ive told them several times that these accounts ARE NOT MINE. 
XXXX hasnt been compliant and has also lied stating the accounts arent on my report. However Ive looked on my report with them an Ive saw all the accounts Ive disputed and asked them to delete because they arent mine. 
I Now DEMAND that these accounts be deleted from my credit report IMMEDIATELY from Every Credit bureau. 

according to 15 U.S.C 1692e, 15 USC 1692d,15 USC 1692c, and 15 USC 1692B A debt collector Not use any language or symbol on an envelope or in the contents of any communication effected by mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of any debt. 

not state that such consumer owes any debt not communicate with any such person more than once unless requested to do so by such person not communicate by post card Also, According to 15 U.S.C section 602 A states i have the right to privacy. 

As well as 15 U.S.C section 604 A Section 2, also states a consumer reporting agency can not furnish a account without my written consent. 

15 U.S.C 1681c. ( a ) ( 5 ) Section also states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1692c States Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXXXXXX XXXX XXXX Has violated my rights. These inquiries are unauthorized and ARE NOT MINE and should be deleted IMMEDIATELY! 

XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX XXXX XXXX, has violated my rights. 

XXXX Account # XXXX of XXXX has violated my rights. 

XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX. XXXX XXXX Account # XXXX has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights.

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