Consumer complaint received 2023-11-05
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name isXXXX XXXX XXXX My Only Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX The last XXXX of my SSN # XXXX My Only XX/XX/XXXX I have asked for proof of ( metro2compliance ) proof of original sign Consumer contract, proof of identity, proof of signature on any of the alleged debt three times nowIve sent paper work and complaints from the US Justice Department ( XXXX  ) CFPB COMPLAINTS ) - ( CALIFORNIA STATE ATTORNEY GENERAL COMPLAINT ) CALIFORNIA CONSUMER PROTECTION AND INNOVATION ) ( FTC COMPLAINT ) ALONG WITH - CEASE AND DESISTS ORDERS -AND ( AFFIDAVITS OF TRUTH ) -SIGN AND NOTORIZED TO EXPERIAN-XXXX-XXXX-XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX5USC 1681 a ( d ( 2 ] ( A ) ( i ) -clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports . Yet EXPERIAN-XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IS reporting this information.. The reporting of excluded information pursuant to ( 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of ( Metro2 compliance ). Provide me with the ( Metro2compliance ) -disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, ( collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed inCollection/Charge-Off Status ) -WITHOUT mailing me a copy of ( IRS form 1099-C Cancellation of Debt. ) NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT Thus EXPERIANXXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file -IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved I [ XXXX XXXX XXXX XXXX issue this urgent and non- negotiable Affidavit of Truth. I am the original creditor, lender, executor, and administrator for all matters concerning my name and its derivatives. I act in public and private capacities and conduct business as I also serve as my agent and attorney-in-fact in all relevant matters. Oath and Declaration Under penalty of perjury, I solemnly swear to the highest power of creation that the information contained herein is unequivocally true and accurate. Any failure to acknowledge this affidavit will be considered bad faith. Privacy Rights : Immediate Action Required My right to privacy, as explicitly protected by the Fair Debt Collection Practices Act, has been egregiously violated. I demand the immediate and complete removal of my personal information from your website, company records, and any affiliated entities. Failure to comply will result in further legal action. Legal Violations and Reasons : Cease and Desist I allege that EXPERIAN- XXXXXXXXXXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are in blatant violation of the following U.S. codes and legislation for the reasons specified : ( 15 USC 1692c ( b ) : Unauthorized communication with third parties about my debt. ( 15 U.S. Code 1681s-2 : ) : Failure to correct and update inaccurate information in my consumer reports. : -immediate and complete removal of my personal information from your website, company records, and any affiliated entities. 
Failure to comply will result in further legal action. 
Legal Violations and Reasons : Cease and Desist I allege that XXXX, Experian, and XXXX are in blatant violation of the following U.S. codes and legislation for the reasons specified : 15 USC 1692c ( b ) : Unauthorized communication with third parties about my debt.

15 U.S. Code 1681s-2 : Failure to correct and update inaccurate information in my consumer reports.

15 U.S. Code 1681a ( 2 ) ( 1 ) : Misuse or misrepresentation of definitions and rules related to consumer reporting.

15 U.S. Code 1681 ( 3 ) ( e ) : Further misuse or misrepresentation of definitions and rules related to consumer reporting.

15 U.S. Code 1681i : Inadequate procedures for disputing the accuracy of my consumer reports.

15 U.S. Code 1681b : Unauthorized access or use of my consumer reports for impermissible purposes.

H.R. 3046 Social Security Number Privacy and Identity Theft Prevention Act of 2007 : Unauthorized use or disclosure of my Social Security numbers.

Section 326 of the USA PATRIO T Act
: Failure to verify my identification by financial institutions.

Gramm-Leach-Bliley Act, Section 501 : Failure to ensure the security and confidentiality of my personal and financial information. Gramm-Leach-Bliley Act, Section 502 : Unauthorized sharing of my non-public personal information with non-affiliated third parties. 
Gramm-Leach-Bliley Act, Section 504 : Non-compliance with federal regulations designed to enforce the act, thereby putting my personal and financial information at risk.

Remedial Actions : Immediate and Non-Negotiable Compliance Required I insist that you act immediately to address the following concerns, which are non-negotiable and require your immediate attention : 1. Data Removal : Immediate removal of all my existing personal and financial information from your website, databases, and any affiliated entities. This request pertains to all data currently held by your organization.

2. Data Security for Future Interactions : Implement robust security measures to prevent unauthorized access to any new information that may be collected. This request applies to any future interactions I may have with your organization and is not in conflict with my request for the removal of existing data.

3. Transparency : Full disclosure of any third parties with whom my information has been shared, along with immediate cessation of such sharing.

4. Notification : Prompt notification to me of all actions taken to secur

e my information and prevent further violations. 5. Legal Compliance : Immediate review and adherence to all relevant U.S. codes and legislation cited in this affidavit to ensure full compliance. Non-Consent and Settlement : Final Warning and Unambiguous Clarification15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. My Full Legal Name : XXXX XXXX XXXX XXXX. My Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these utdated ddresses and update the address with the one above. 
My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 
XXXX demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC S1681 and all its subsections AS OF XX/XX/XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT RE : Unauthorized inquiry to my consumer report ; demand for Deletion and {$1000.00} Settlement.

To : Whom it may concern You are in violation of the Fair Credit Reporting Act ( " FCRA '' ), [ 15 U.S.C 1681b ( a ) XXXX ( f ) ( i )., for unlawfully obtaining my " XXXX '' consumer report without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA ] and its guidelines for permissible purpose. 
" A person shall not use or obtain a consumer report for any purpose unless ; XXXX. The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section.

2. The purpose is certified in accordance with section 1681b ( f ). Chester v. Purvis, 260 F. Sup 2d711 ( S.D. Ind. 2003 ).

15 USC S16816 ( c Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any _person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 15 U.S. Code 1601- Congressional findings and declaration of purpose ( a ) Informed use of credit The Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. On the date of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX came before me today as a XXXX and blood living being ( non-entity/non debtor ) under oath to the highest of creation only and provided the facts listed herein. 
( Fraudulent ) Account name Account number Date Open Dollar Amount XXXX XXXXXXXX XX/XX/XXXX {$900.00} XXXX XXXX XXXX  XX/XX/XXXX {$900.00} INQUIRIES DATES XXXX XXXX XXXX XX/XX/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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA 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 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 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 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 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 XXXX XXXX XXXX XXXX Resident XXXX XXXX15 U.S. Code 1681c2 - Block of information resulting from identity theft * U.S. Code * Notes prev | next ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged 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 non-monetary relief