Consumer complaint received 2023-02-22
Company: Experian Information Solutions Inc.
State: FL
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 XXXX  XXXX XXXX FL XXXX EXPERIAN XXXX XXXX XXXX XXXX TX XXXX Dear EXPERIAN, I notice that theres information thats on my consumer report that is a result of identity theft. I didnt not provide written permission or instruction for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. 
Please be advised that my request to block isnt being made in error ; not is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transitions. The identified transactions are not information related to any transaction by me as the consumer : 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 You must respect my right to privacy, I have a right to privacy and youre violating my right as a federally protected consumer. 
Please be advised that you're in violation of federal law under the fair credit reporting act. Under the FCRA 15 USC 1681B-Permissable Purposes of Consumer Reports ( a ) In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. I never gave XXXX any written instruction to furnish a consumer report, no consent is identity theft. A copy of the identity theft report as proof marked Exhibit A attached. 
Furthermore you violated 15 USC 1681 ( a ) 1 ( 2 ) ( 3 ) ( 4 ) ( b ). I was not treated fairly and these fun fair credit reporting methods undermine my confidence as a consumer which is essential to the banking system and the banking system is dependent upon fair and accurate reporting. My reputation, character, credit standing, credit capacity and credit worthiness I have not been able to obtain efficient credit, insurance, employment or housing as well as suffered from mental anguish, stress, XXXX, and marital problems. 
( XXXX ) XXXX you have assumed a vital role in assembling and evaluation on my me as a federal protected consumer Fairness, impartially and respect for my right to privacy was not extended to me. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness impartiality, and a respect for the consumers right to privacy. 

You have prevented me from extending credit and stopped my livelihood by violating my rights to consent and privacy. You have to adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to me with regard to confidentiality, accuracy, relevancy I DO NOT CONSENT TO E-OSCAR VERIFICATION!! 
** Reminder its against the law to use the furnisher to verify any information. 15usc 1692 FDCPA ). You must conduct a personal interview.

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