Consumer complaint received 2023-06-27
Company: Experian Information Solutions Inc.
State: MI
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:
Around XXXX of XXXX, upon receipt of my credit report I discovered this unlawful bankruptcy on my credit profile that was intentionally placed there by XXXX. XXXX then sold my private information with a public record attached to it, to XXXX, Experian and XXXX without my consent. This was done with malicious intent to damage my credit, my credit profile, my character, and causing me financial harm intentionally, including charging high interest rates which fatten their profits. Because of this, I can not relocate to a new home, or obtain credit to have a decent living mode. I can not obtain work without being asked embarrassing questions and struggling to make ends meet. XXXX owners/employees admitted soliciting this information from XXXX, and selling this information to other agencies and companies for profit, without my consent. In addition, I have already disputed the errors of my personal information to XXXX, yet they are still reporting inaccuracies after I provided identiting documents with the correct information. Also I have evidence of identity theft including highlighted accounts that clearly show multiple violations that must be removed immediately, according to the law. I also have inquiries attached to accounts that I 'Do not recall ' opening up that have been done fraudulently through the use of my identity. 

The credit bureaus violated my given rights under 15 U.S.C. 1681.

According to : 15 U.S.C. 1681 section 602 A. States I have a right to privacy.

According to : Office of Privacy and Civil Liberties, U.S. Department of Justice, under The " No Disclosure without Consent '' Rule : I have a right to privacy if I never gave them consent. If I did give them my consent, they must provide me with a certified copy, sworn and signed and notarized before a public notary of a county clerk officer.

According to : 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a ccount without my written instructions.

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

15 U.S.C. section 603 section ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with who he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

These companies are the prime reason why consumers have their identities stolen each year by way of careless misuse of consumer 's private information. These companies should not have this type of control over consumers and should be shut down for good. The attached items below will be uploaded as evidence and are titled as follows : 1. Evidence from bankruptcy court that they don't give this information to these companies. 
XXXX. XXXX response to opting out permanently. 
XXXX. XXXX XXXX, Police report. 
XXXX. XXXX XXXX XXXX dismissed the case after suspending my license and reinstating it due to them discovering and having evidence that someone had stolen my identity and all charges were dropped. Ends results were that the Attorney is charging the perpetrator. 
XXXX. Fees that I paid for this unfortunate court case of identity theft, and to prove my identity was indeed stolen. 
XXXX. Attorney General complaint of stolen identity and Attorney forging my signature to transfer a title of my automobile back to XXXX illegally. 
XXXX. FTC report of foul play by Attorney and XXXX employees or representatives. 
XXXX. Evidence of accounts that are clearly violation and inaccurate information that must be deleted immediately, including the removal of that unlawful bankruptcy they attached to my profile and inquiries that are on my file that may have been linked to bankruptcy and the identity theft.

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