Consumer complaint received 2023-02-26
Company: Experian Information Solutions Inc.
State: NC
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:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX nc XXXXXXXX Account holder : XXXX XXXX XXXX Account # : XXXX Notice to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, now present : Fact, the Fair Debt Collection Practices Act and the Fair Credit Reporting Act is intended to secure my right to privacy and my privacy has been breached so be it, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted affidavit of truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so be it, and ; Fact, XXXX XXXX XXXX XXXX XXXX XXXX is willfully in violation of title 15 U.S.C. 1692b ( ( 2 ) not state that such consumer owes any debt ; ) Fact, XXXX XXXX XXXX XXXX XXXX . is willfully in violation of title 15 U.S.C. 1692c ( ( a ) Communication with the consumer generally 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- ) Fact, XXXX XXXX XXXX XXXX XXXX XXXX is willfully in violation of title 15 U.S.C. 1692c ( ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post-judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. ) Fact, XXXX XXXX XXXX XXXX XXXX XXXX is willfully in violation of title 15 U.S.C. 1692d ( ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. ) Fact, XXXX XXXX XXXX XXXX XXXX XXXX is willfully in violation of title 15 U.S.C. 1692d ( ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. ) Fact, XXXX XXXX XXXX XXXX XXXX XXXX is willfully in violation of title 15 U.S.C. 1692e ( 2 ) The false representation of- ( A ) the character, amount, or legal status of any debt ; Fact, XXXX XXXX XXXX XXXX XXXX XXXX is willfully in violation of 15 U.S.C. 1692e ( ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. ) Fact, XXXX XXXX XXXX XXXX XXXX XXXX is willfully in violation of title 15 U.S.C. 1692j ( ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. ) Fact, XXXX XXXX XXXX XXXX XXXX XXXX is willfully in violation of title 15 U.S.C. 1692j ( ( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter. ) 15 U.S.C. 1692k ( ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of- ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or ) Fact, affiant is aware that XXXX XXXX XXXX XXXX XXXX XXXX is willfully in violation of 31 C.F.R. 363.6 ( Minor means an individual under the age of XXXX years. The term minor  is also used to refer to an individual who has attained the age of XXXX  years but has not yet taken control of the securities contained in his or her minor account. ) Fact, affiant is aware that XXXX XXXX XXXX XXXX XXXX XXXX has at least ( 11 ) ten violations of title 15 U.S.C 1692.

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