Consumer complaint received 2023-08-27
Company: Experian Information Solutions Inc.
State: TX
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:
To whom it may concern, It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the XXXX data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. I have the right to privacy. 15 U.S.C 1681 section 602 A. States, I have the right to privacy. 15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) 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. 15 U.S.C. 1681-1681a The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. Please investigate if every piece of information is correct. If not, please remove it from my credit report. Accounts XXXX there is some inaccurate information reportingXXXX XXXX XXXX Delete this account. XXXX. 15 US-CODE 1692G XXXX XXXX XXXX XXXX Delete this from my consumer report. XXXXXXXX XXXX XXXX Delete this from my consumer report.XXXX XXXX XXXX.Delete this from my consumer report.XXXX XXXX.Delete this from my consumer reportXXXX XXXX Delete from my consumer report.7.US.DEPT, EDUCATION Delete from my consumer report.XXXX XXXX XXXX XXXXXXXX The U.S. CONGRESS put consumer laws in place to protect consumers so that the proper authorities will enforce them and bring to justice the violators that break them! ( The lender must file Form 1099-C and send you a copy if the amount of debt canceled Is { {$600.00} } or more and the lender is a financial institution, credit union XXXX federal government agency, or other applicable entity as discussed earlier in XXXX. The above paragraph is taken directly from IRS publication 2021. INCOME DOES NOT GET REPORTED ON THE CONSUMER CREDIT REPORT!!! 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. ( b ) Opt out ( 1 ) In general 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. I demand that you delete this erroneous and inaccurate account now from all major consumer reporting agencies! Furthermore, I would like to bring to your attention that the collection agency, XXXX XXXX is not licensed to collect debts in the state of Texas. Pursuant to Texas Finance Code 392.101, a person may not engage in debt collection in Texas without first obtaining a license. This collection agency has not obtained a license, and therefore, any attempts to collect a debt from me in Texas are illegal.

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