Consumer complaint received 2022-07-13
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: Account status incorrect

Complaint:
My name is XXXX XXXX and I am filing this complaint is against XXXX XXXX  XXXX for engaging in racketeering activity. I have never willingly contracted with XXXX XXXX  and they had no lawful authority to be in possession of any of my nonpublic personal information. 

I have reasonable cause to believe that fraud has been committed. I am aware that on XXXX my note was sold to XXXX XXXX  XXXX without my consent nor lawful authority by XXXX XXXX of XXXX XXXX XXXX in batch number XXXX. My note was sold for unjust enrichment where I received no consideration. I am aware that due to my note being sold to a nonaffiliated third party without my lawful authority, this constitutes aggravated identity theft and is a violation of 18 U.S. Code 1028A. 

I would like to know from Chief Executive Officer XXXX XXXX of XXXX XXXX XXXX, who authorized the sale of this note. I would also like to know if Chief Executive Office XXXX XXXX is aware that I did not authorize this sale and I received no consideration. 

I was forced to enter into an extortionate extension of credit due to the fraud committed by XXXX XXXX XXXX, against my will. I am aware that this is a violation of 18 U.S. Code 892. I have been punished for the nonrepayment of this extension of credit by XXXX XXXX  XXXX. XXXX XXXX  XXXX has used my nonpublic personal information to furnish information to the consumer reporting agencies they had reasonable cause to believe is inaccurate. These late payments are billing errors pursuant 15 U.S. Code 1666b. If Chief Financial Officer XXXX XXXX of XXXX XXXX  XXXX can not produce documentary evidence proving that I was in fact late on this extension of credit, this has been fraudulently disclosed nonpublic personal information to a nonaffiliated third party with forethought and malice to bring harm to my financial reputation. XXXX has taken unlawful extortionate means by furnishing negative information to the consumer reporting agencies they are not required by law to disclose. I am aware that nothing under the Fair Credit Reporting Act requires negative information to be disclosed to consumer reporting agencies. I made XXXX, XXXX, and Experian of the fraud that has taken place by providing an Identity theft affidavit and they refused to block the information resulting from identity theft. I have reasonable cause to believe the consumer reporting agencies were negligent to remove this inaccurate information due to their business relationship with the consumer reporting agencies. XXXX XXXX  XXXX has conspired with the consumer reporting agencies they do business with, to coerce me to pay on an extension of credit. XXXX XXXX  XXXX has knowingly received proceeds from extortion to fund their criminal enterprise. 

The following persons been implicated for violations under the XXXX XXXX XXXX XXXX of XXXX XXXX XXXX. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX of Experian XXXX XXXX XXXX of Experian XXXX XXXX XXXX of XXXX XXXX XXXX XXXX of XXXX

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