Consumer complaint received 2022-09-11
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
To whom this may concern. I am writing this matter on my own without any assistance of any third party. I shall now continue with my dispute. According to the Fair Credit Reporting Act, the following creditors are infringing on my federally protected consumer rights to secrecy and privacy under 15 usc 1681. XXXXXXXX XXXX XXXXare violating my rights, XXXX  Account # XXXX are violating my rights. My fourth amendment rights are being violated by the creditors and the credit reporting company Experian. My personal information should be safe and private within my paperwork, but it isn't because it's being shared with consumer reporting companies without my prior approval. My personal information is being disclosed to consumer reporting organizations without my express agreement, therefore neither my papers nor I are secure. My documents are not safe, which violates my fourth constitutional right. I also have a right to privacy, it 15 U.S Code 1681 section 602 A of the Fair Credit Reporting Act says. I feel like I'm being taken advantage of and that the mentioned creditors and credit reporting agencies are working together to harm me because my right to privacy has already been violated. I'm being treated unfairly and had my rights violated. A consumer reporting agency can not provide an account without my written instructions, and the mentioned creditors lacked the legal authorization to send my social security number to Experian, one of the credit reporting agencies. 15 U, S Code 1681 Section 604 A section 2 states that. Because I never authorized nor granted permission for what the aforementioned credit reporting companies are doing to me, they are guilty of aggravated identity theft and may go to jail. 15 US Code 1681c ( a ) ( 5 ) states very clear that no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. By law, none of the accounts I've specified above may appear in my consumer report. 15 US Code 1681s-2 ( A ) ( 1 ) states A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Prior to filing this complaint, I informed each of the mentioned creditors that their information was in fact unreliable, erroneous, non verifiableand incomplete. Thank you for your attention to this matter ; I assure you will not discriminate. I demand that these accounts be deleted immediately, or I will file a lawsuit for the questions and emotional distress this matter is causing me.

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