Consumer complaint received 2020-09-20
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Experian Information Systems, Experian Financial Holdings, Experian Data herein after ( Experian ) and Mr. XXXX XXXX Senior Gen Counsel in his professional capacity admonition under color of law, ( " Mr. XXXX ) a covered member and consumer pursuant to 15 U.S.C. 1681a ( b ) and ( f ) defined by 15 U.S.C. 1681a ( c ) is ( Security Lapse victim ) documented in written correspondences sent to him. He is exercising his protected rights under the Fair Credit Reporting Act, ( FCRA ) 15 U.S.C. 1681e et, seq invoke under Section 609 a Debt Validation Letter, proven debtor claims of tradeline XXXX  XXXX is fraudulent. 

Experian and Senior General Counsel ; its agents, successor and predecessor ; directors ; its agents, employees, board members having complete control and oversight of consumers credit history and reporting. Consumer reporting agency has identified ( " MrXXXX XXXX ) a victim of identity theft/fraud operation that included XXXX/XXXX   unlawfully obtaining antiquated public record information through web scraping. Experian upon discovery obligated to notify consumer instead reap the benefits of the identity fraud operation that facilitated well-known black marketer of PII and hacker ( XXXX ). ( XXXX ) admonition having access or unlawfully obtain consumer PII personal identifiable information and similarly situated American consumers/subscribers personal and confidential information through data sharing agreement controlled and owned by Experian to date. 

The data sharing agreement between or amongst XXXX/XXXX made a superhighway for known cyber criminals and hacker/black marketer of PII ( XXXX ) a superhighway to unlawfully obtain and make unauthorize disclosure of consumers ( PII ) on the dark web XXXX and XXXX. As a direct or approximate result of Experian willfully and negligently failing to comply with requirements of ( FCRA ) install an adequate software and hardware system, servers and networks to detect fraud, identity theft ; monitor and assess consumer reporting information timely and prevent fraud at every stage of the consumer reporting agency steward relationship ; pursuant to 15 U.S.C. 1681e and 1681i is liable. 

Experian not contending cyber security attack/data breach ; cause by data sharing agreement between XXXX Info Search ; which Experian had controlling interests and assets of XXXX Info Search ; is culpable for consumers actual injuries, statutory and punitive damages under Ga. Code Ann . 10-1-910 to -912 ; under 15 U.S.C. 1681n ( a ) ( 1 ) {$1000.00} for each violation over period of 9 years. See attachments Experian touted to the Consumer and millions of American consumers and subscribers it has best [ f ] fraud detection and identity management products or services permeate throughout breach management industry, enabling them to detect, monitor and assess and prevent fraud at every stage of their steward relationship and touts its ability to detect cases of fraud, automate fraud risk assessment, predict the likelihood of fraud, reduce any types of fraud and establish shared fraud detection schemes international. 



Consumer and other American consumers/subscribers bought into this idea ; according to its website, Experian considers itself a steward of the information it collects, maintains and utilizes. [ Its ] responsibility is to ensure the security of the information in [ its ] care and to maintain the privacy of consumers through appropriate, responsible use. 

FTC acceptance Experian written letters or correspondences via mail to consumer contradicts the CRA websites ; in fact, illustrates full culpability on the part of Experian. 

Experian and Senior General Counsel ; its agents, successor and predecessor ; directors ; its agents, employees, board members entrusted with the stewardship over ( Mr. XXXX ) ( PII ) violated that chain of custody and public trust, when failed to disclose breach of  data timely ; violated GA Data Breach Notification Statue Section 1681g ( a ) ( l ) having intruded or invaded consumers expected privacy protected by Fourth Amendment.

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