Consumer complaint received 2022-03-02
Company: Experian Information Solutions Inc.
State: CA
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:
According to 15 usc 1681b. A consumer reporting agency can only furnish a consumer report with a court order or with the written instructions to the consumer of who it relates. i can assure you that i have never given any consumer reporting agency my written instructions nor has their ever been a court order of them doing so. This is a clear violation of my right to privacy as a consumer and natural person According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.. 



Pursuant to 15 usc 6802 a financial institution may not disclose nonpublic information to a third party unless the financial institution has provided to the consumer the proper notice that complies with section 6803 of that title. Now the proper notice is that the financial institution may not disclose nonpublic information to a nonaffiliated third party unless the financial institution clearly discloses to the consumer in writing or in electric form. The consumer is given opportunity to accept or deny. I am here to say that I have never been given any proper notice to give any account listed below my permission to share my information with anyone therefore this is identity theft and the data furnishor along with the credit reporting agency are both violating federal law and I am demanding deletion from each of them The following accounts I Want removed from my consumer report because there are multiple violations being committed whether it is the FCRA, TILA, FDCPA ETC. 

XXXX XXXX # XXXXdid not fulfill their obligation to allow me the same number of days to make a payment after there was a billing error. I sent them a written notice about it and they still reported me delinquent which is a violation of 15 usc 1666a Regulation of credit reports. 

XXXX XXXX # XXXXdid not fulfill their obligation to allow me the same number of days to make a payment after there was a billing error. I sent them a written notice about it and they still reported me delinquent which is a violation of 15 usc 1666a Regulation of credit reports. 

XXXX XXXX XXXX Acct # XXXXThis account is blatantly illegal under federal law. I am under no duty to pay a debt collector the purported sum until it is proven differently. However, they have committed identity theft because I never gave them permission to share any of my personal information with you. I have never received any documentation that I have a business relationship with ( Account Name ) or that I owe any obligations to them. Identity theft is demonstrated by their failure to prove this. The reason for this is that if they indicate supposed Statements from an original creditor, this is a type of identity theft perpetrated not just by the collection agency, but also by you by reporting this without physical proof. 

XXXX XXXX XXXX XXXX # XXXX This account is in violation of federal law pursuant to 15 usc 1681a ( 2 ) ( 3 ) which states that no person shall communicate about transactions soley on information on the consumer about transactions and experiences about the consumer without my permission. This company did not give me communication which determined if I wanted to give them permission to do so. By them failing to do so this account needs to be removed from my consumer report immediately

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