Consumer complaint received 2021-01-05
Company: Experian Information Solutions Inc.
State: IL
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:
I writing this letter to inform you that I know Im the original creditor pursuant to title 15 USC 1602 Definitions and rules of construction ( g ) the term creditor refers to a person who both ( 1 ) regulary extends, whether in connection with loans, sales of property or services, or otherwise, consumer credit which is payable by agreement in more than four installments or for which the payment of a finance charge is or may be required, and ( 2 ) etc. There is no action to assess to verify anything with a soulless entity that has no authority to swear under the penalty of perjury. Pursant 15 USC 1681a Definitions ; rules of construction ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 Congressional finding and statement of purpose is the same as it is under 15 USC 1602 Definitions ; rules of construction ( l ) which is the term credit card means any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit NOTICE, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer transaction below. They should all be removed from my consumer report pursuant to 15 USC 1681a ( 2 ) ( B ) Definitions ; rules of construction. There is no way to possibly investigate any alleged dispute when the FCRA states there is no dispute to conduct 15 USC 1681a Definitions ; rules of construction ( 3 ) ( e ) explains in depth a Credit Bureau doesnt have the authority to Investigate investigative consumer report this term means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living its obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he acquainted or who may have knowledge concerning any such items of information. So this means its no way no credit bureau can investigate. 15 USC 1692g Validation of Debts ( a ) ( 5 ) states only I can validate a debt the subsection states a statement that, upon the consumers written request within the thirty- day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. Once again I AM THE ORGINAL CREDITOR!!!!! 15 USC 1692g ( b ) Credit bureaus dont have an action to assess YOU CAN NOT VAIDATE ANYTHING. 15 USC 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; this law states everything that from your credit card is suppose to be excluded. Pursuant to title 15 USC 6802 Obligations with respect to disclosures of personal information ( b ) ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party example : Credit Bureaus. Pursuant to title 15 USC 6802 Obligations with respect to disclosures of personal information ( b ) ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option I have the right to not have it reported because Congress knows there is NO DEBT. I also want to inform you that you have indeed federally violated my consumer rights as a consumer. The federal law under the FDCPA stated as in order to disclose my personal information you have to have my written consent and also there is no disclosure with a opt in or option notice requirement which is under 15 USC 6802. There was never an disclosure that exercised my nondisclosure option for this reason you have committed a FEDERAL FRADULENT ACT by making me feel you were supposed to have my personal information which is unlawful making you liable also under the 15 U.S Code 1640 Civil Liability section. I also have the right to privacy as a consumer which is stated in 15 USC 1681 ( 4 ). You dont have the right to furnish my information on my consumer report stated by law. If you have the permission to furnace my report I need to see a contract with my permission that allowed you to do this in the first place so please produce a contract that granted you the permission to furnish my report & if so reply back in affidavit form and have a senior executive or yourself create an affavdavit with it being notarized. If there is no permission consent delete the following accounts listed below. I AM DEMANDING THAT YOU REMOVE these credit transactions from my report IMMEDIATELY as they are a violation of my rights as a federally protected consumer under title 15 Chapter 41.

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