Consumer complaint received 2022-08-18
Company: Experian Information Solutions Inc.
State: OK
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:
Unauthorized Administration of XXXX XXXX XXXX Estate [ XXXX ]. 
KNOW MEN BY THESE PRESENTS : I- XXXX XXXX XXXX, am an Original Indigenous Sentient Divine Soul from XXXX a Walking, Talking, Independent Island LIVING on the land of XXXX XXXX XXXX XXXX acknowledgment, Reclaiming in Glorious and Proper Capacity her Esteemed Honorable place as occupant of the EXECUTRIX Office of XXXX XXXX XXXX, Estate. The XXXX XXXX is requesting that all of your paperwork, filings, addresses and personal information be updated to reflect the legal and lawful place of XXXX XXXX XXXX as the rightful occupant of the Executor, Office of the aforementioned Estate, which is a beneficial estate for XXXX XXXX XXXX, Estate [ XXXX ]. 

I sent my letter off on XX/XX/XXXX I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below.According to the FCRA the term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal charactertics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is aquainted or who may have knowledge concerning any such items of information. 

They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on accounts are still not reporting 100 % Accurate. According to the FCRA 15 USC 1681 everything has be be 100 % Accurate. They did not do this and have violated my rights.

I have a Right to Privacy the Gramm-Leach-Bliley Act ( GLBA ) requires financial institutions to safeguard the confidentiality of customer information. Under the XXXX, financial institutions must deliver notices to customers regarding the collection and information sharing policies; providing customers with the choice to opt-out if they do not want their information shared with nonaffiliated third parties. 15 U.S.C. 6802 ( b ), ( e ) ( 2012 ).

I have not given consent nor provided written permission for any these companies to report my private nonpublic information which is listed on the attached credit reports. I did not provide explicit or verbal permission for them to report this information. This is a PRIVACY Issue now when it comes to Consumer Law.

Per 15 USC 6803 Disclosure of institution privacy policy ( a ) DISCLOSURE REQUIRED At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such financial institutions policies and practices with respect to- ( 1 ) Disclosing nonpublic personal information to affiliates and nonaffiliated third parties, consistent with section 6802 of this title, including the categories of information that may be disclosed.

I have a Right to Privacy the Gramm-Leach-Bliley Act ( GLBA ) requires financial institutions to safeguard the confidentiality of customer information. Under the XXXX, financial institutions must deliver notices to customers regarding the collection and information sharing policies; providing customers with the choice to opt-out if they do not want their information shared with nonaffiliated third parties. 15 U.S.C. 6802 ( b ), ( e ) ( 2012 ).

I've NEVER received Notice that my information would be shared to third parties. I did not consent, nor did I provide written permission to share my nonpublic personal information with anyone, CRAs or Creditors. Also, 15 USC 1681 604 A Section 2 - States a Consumer Reporting Agency SHALL Not furnish an account without my written permission or instruction. I have never given written permission to any company.

These entities have used my information without my consent and that is Identity Theft.

The following items listed on my credit reports attached are identified as a result of identity theft. These items were illegally placed on my credit report without Notice, and I never gave consent nor permission for these companies to report my private non-public information below. I never received the Social Security Form SSA89 the Authorization for the Social Security XXXX ( XXXX ) To Release Social Security Number ( SSN ) Verification. These companies must have this form on file prior to releasing information to the CRAs Who is XXXX the Bankruptcy on my XXXX XXXX? 
( SEE ATTACHED LETTER FROM XXXX XXXX ) Pursuant to Rule 1005 of the Federal Rules of Bankruptcy Procedure, all documents filed with the court are to contain only the last four digits of the individuals social security number or tax identification. Under the Federal Rules of Bankruptcy Procedure, a debtors full social security number is filed with the original petition and filed under seal Meaning the only information released to third parties who are not involved directly with directly with your case is ( 1 ) Your full name ( 2 ) The Last Four Digits of Your Social Security Number and ( 3 ) Your address.

After reviewing my credit report in the Public Records Section, it shows who furnished the information you claim the furnisher are the courts, but Ive took the time to call the courts and spoke to the Bankruptcy Clerk of Court and she stated We do not furnish any information to any third party including the credit bureaus nor do we provide anyone with a debtors full social security number. So why are you - the credit bureau providing false information? This is a clear violation of the Fair Credit Reporting Act to report false information on my credit report. I know now that the credit bureaus get public record information from XXXX or sometimes PACER which are for profit companies that is in the information-selling business. They regularly collect public records information into their database, and then they sell it to the credit bureaus. Credit Bureau claim to get information from a court, when it obtained from an unnamed 3rd party, could be easily be considered false information on my credit report. Who is Trespass on XXXX, Estate? HOW WAS THIS BANKRUPTCY VERIFIED? 

I have not given consent nor provide written permission for any these companies to report my private non-public information which is listed on the attached credit reports. I did not provide explicit or verbal permission for them to report this information. This is a PRIVACY Issue now when it comes to Consumer Law. These companies are buying and selling my private non-public information and profiting off my information without my permission. These companies have complied reports on me that is supposed to represent who I am, and I did not give them permission to do that. The information which they have provided to you on record is a violation of my Consumer Rights and my Privacy. Im demanding that you follow the law and block/remove any information identified as a result of Identity Theft, no later than 4 business days after the date of receipt of such information you receive from me. No Consent equals Identity Theft and a Crime Act per 18 USC 1028

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