Consumer complaint received 2022-06-26
Company: Experian Information Solutions Inc.
State: KY
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:
In my recent dispute to Experian, XXXX XXXX XXXX XXXX. certified to Experian that the information they were reporting was accurate. As a consumer reporting agency, as defined under 15 U.S. Code 1681a ( f ), assembling consumer credit information for monetary fees for the purpose of furnishing consumer reports to third parties, it is your duty to adopt reasonable procedures for meeting the needs of commerce. Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) I'm aware that a consumer reporting agency needs the written instructions of I, the consumer, to furnish a consumer report.

Without written instruction this consumer reporting agency has committed fraud by using my identifying information without lawful authority to furnish this information on my consumer report. If I didn't give you written instruction to furnish your tradeline onto my consumer report, by law its identity theft. The term identity theft as described in 15 U.S. Code 1681a ( q ) and Regulation V 12 CFR 1022 3 is a fraud committed or attempted using the identifying information of another person without authority. I never gave XXXX XXXX XXXX XXXX. authority or written instruction to furnish their tradeline onto my consumer report. Please provide the written instruction that I, the consumer have gave to XXXX XXXX XXXX XXXX. which has authorized this furnished information. If you can not provide me with these written instructions by me, this has been a fraudulently made consumer report using my identifying information. l am demanding this information resulting from identity theft, be removed. I have not given any written instructions or any permissible purpose for any of the following inaccurate and unverified information to be furnished. That is a violation of 15 USC 1681b, which constitutes as aggravated identity theft in accordance with 18 U.S. Code 1028A. I have attached an FTC report due to the fraud and identity theft pursuant to 15 U.S. Code 1681a ( a ( 3 ), that has taken place. 

XXXX, XXXX AND EXPERIAN ARE ALL INVOLVED IN AN UNLAWFUL RELATIONSHIP WITH XXXX  XXXX XXXX XXXX AND I HAVE PROOF OF IT DUE TO THE FACT THAT XXXX XXXX XXXX XXXX IS A COMPANY WITH MANY JUDGEMENTS MADE AGAINST THE REGARDING VIOLATING FEDERAL LAW ( SPECIFICALLY THE FDCPA ). PLEASE REFERENCE SUPREME COURT OF FLORIDA CASE XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX IS UNLAWFULLY ACCESSING MY CONSUMER REPORT TO MAKE UNAUTHORIZED INQUIRIES AND FURNISH FALSE AND DECEPTIVE INFORMATION. THEIR FALSE INFORMATION HAS LEFT ME XXXX DUE TO GETTING DENIED FOR EMPLOYMENT, INSURANCE, AND HOUSING ( ALL OF WHICH ARE A VIOLATION OF FEDERAL LAW ). 

DUE TO THIS, I HAVE PROOF OF XXXX XXXX XXXX XXXX. PARTICIPATING IN RACKETEERING ACTS FOR THE PURPOSE OF UNJUST ENRICHMENT WHICH IS UNLAWFUL. 

I HAVE SENT SEVERAL CEASE AND DESIST NOTICES TO XXXX  XXXX XXXX XXXX. HOWEVER, ALL OF WHICH HAVE BEEN IGNORED. 

ACCORDING TO 18 USC 894, COLLECTIONS OF EXTENSIONS OF CREDIT BY EXTORTIONATE MEANS IS A VIOLATION OF FEDERAL LAW AND CARRIES A CRIMINAL LIABILITY OF UP TO 20 YEARS!

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