Consumer complaint received 2022-12-02
Company: Experian Information Solutions Inc.
State: TX
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 Original statement by Consumer Financial Protection Bureau : " On your side through lifes financial moments. Were the Consumer Financial Protection Bureau, a U.S. government agency dedicated to making sure you are treated fairly by banks, lenders and other financial institutions. '' -consumerfinance.gov `` We're the Consumer Financial Protection Bureau XXXX dedicated to making sure you are treated fairly ... '' Really? Or is this an act of fraud? Let 's find out. In order to aid Consumer Financial Protection Bureau in accomplishing and fulfilling that promise, statement and agenda, starting today, XX/XX/XXXX until XX/XX/XXXX, I, the Consumer, XXXX, Beneficiary of the Social Security XXXX and XXXX which has the XXXX Social Security Number assigned to it and a credit card issued by the Social Security Administration for use by XXXX XXXX XXXX with date of birth as XX/XX/XXXX, or XX/XX/XXXX, now accepts the stated offer-to-contract, quoted above, by Consumer Financial Protection Bureau and grants Consumer Financial Protection Bureau the permission to access all credit reports -- as communicated before, though these reports should not even exist -- for the Consumer, Beneficiary and Plaintiff to aid you in ensuring, or making sure, all negatives and/or damaging communications -- 15 U.S.C. 1692 ( a ) ( 2 ) ; Truth In Lending Act TILA ) and Fair Debt Collection Practices Act ( FDCPA ) -- are removed and indefinitely from the credit reports and fulfilling your statement : " On your side through lifes financial moments. Were the Consumer Financial Protection Bureau, a U.S. government agency dedicated to making sure you are treated fairly by banks, lenders and other financial institutions. '' Consumer Financial Protection Bureau, contact the Consumer, Beneficiary and Plaintiff to obtain any further information you need to access the credit reports for the Consumer, Beneficiary and Plaintiff. 

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Plaintiff. 
v. 
XXXX, EXPERIAN, XXXX Defendant. 

Ignorance, or not, of the law is no excuse to break it. The disregard of the law by the Defendant, hereby additionally identified as " You '', Your '' and " Their '', is unjust, unfair, abusive, and severely damaging treatment inflicted upon the Plaintiff, hereby additionally legally and lawfully identified as the " Consumer '' and, more importantly, the " Beneficiary '' of the Social Security Trust and Account the Social Security Number and its Credit Card which has been assigned and issued by the Social Security Administration to the legal and lawful Beneficiary and Consumer and identified as the Plaintiff, by the Defendant. Defendant, Your approved reporting communications and illegal communications -- 15 U.S.C. 1692 ( a ) ( 2 ) ; Truth In Lending Act TILA ) and Fair Debt Collection Practices Act FDCPA ) -- on and or in any report and or consumer credit report of the experiences -- 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ) -- and alleged experiences -- 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ) -- the Plaintiff has or has had with any person -- 15 U.S.C. 1681a ( b ) -- has consistently and continues to be evidence of You assisting in carrying out the unlawful and illegal offenses, crimes and violations against Consumer and causing severe personal injury and damages to Plaintiff and authorized representatives which causes the Consumer severe loss -- evidence is all of the many rejection and denial communications received over many years via in-person, face-to-face, electronic communications, and the United States Post Office mail system -- of funding , funds, cash, finances and extension of credit as well as acquirement of other properties which additionally causes the Consumer great duress in fulfilling the necessities of life for the Plaintiff. This reporting and reports -- of which you had no expressed consent by nor from the Plaintiff -- You created, established and maintain are evidence of Your violation of 15 U.S.C. 1681a ( d ) ( 2 ).

The Defendant shall immediately remove all communications -- 15 U.S.C. 1692 ( a ) ( 2 ) ; Truth In Lending Act TILA ) and Fair Debt Collection Practices Act ( FDCPA ) -- from any present or current reports and all future reports regarding the Consumer stat, and forever keep it off. All that You have done and continue to do is abusive and evidence of Your already committed voluntary, willful and intentional personal damaging, illegal and unlawful acts and offenses against the Beneficiary, Consumer and Plaintiff which are civil and/or criminal offenses but not limited to the following : No Direct Consent ; 15 U.S.C. 1692 ( a ) ; Truth In Lending Act ( TILA ) and Fair Debt Collection Practices Act ( FDCPA ), Defamation ; 28 U.S.C. 4101 ( 1 ), Libel ; 28 U.S.C. 4101 ( 1 ), Harassment ; 15 U.S.C. 1692 ( d ) ; Truth In Lending Act ( TILA ) and Fair Debt Collection Practices Act ( FDCPA ), Fraud ; 18 U.S.C. 1001, 26 U.S.C. 7206, Aiding and Abetting ; 18 U.S.C. 2, Conspiracy : in all listed abuses, offenses and violations here ; 18 U.S.C. 956, which also means 15 U.S.C. 1692k ( a ) ( 1 ) ( A ) applies to You that is also an Accomplice and Accessory Before, During and After the Fact, Privacy Invasion ; 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), Negligence ; 15 U.S.C. 1681o and, therefore, Willful Abuse ; 15 U.S.C. 1681n.

All of which is, furthermore, proof of your intent to cause successful harm to the Consumer -- Your eleven violations created XXXX XXXX dollars ( {$11000.00} ) plus damages totaling well over XXXX XXXX XXXX ( {$100000.00} ) that has, thus far, been documented. For these violations and damages You have inflicted upon, caused and done and continue to do to the XXXX, the Plaintiff is owed a minimum of XXXX XXXX XXXX XXXX dollars ( {$110000.00} ) in reparations and will accept XXXX XXXX XXXX XXXX dollars ( {$110000.00} ), which has, thus far, been accounted for, from the Defendant in the form of a postal money order, or Post_Office-issued money order or check -- U.C.C. 3-104 ( c ) codified on State level -- are additionally legally and lawfully owed, stat, by the Defendant and to the Beneficiary, Consumer and Plaintiff at XXXX XXXX XXXX XXXX XXXX : Mail Hold - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas ; XXXX stat through the XXXX XXXX XXXX XXXX XXXX or XXXX a XXXX XXXX XXXX XXXX dollars ( {$110000.00} ) deposit into bank account for Plaintiff using routing number XXXX and account number XXXX to support the paperless society and environmental-friendly movements or causes : No Direct Consent ; 15 U.S.C. 1692 ( a ) ; Truth In Lending Act ( TILA ) and Fair Debt Collection Practices Act ( FDCPA ), Defamation ; 28 U.S.C. 4101 ( 1 ), Libel ; 28 U.S.C. 4101 ( 1 ), Harassment ; 15 U.S.C. 1692 ( d ) ; Truth In Lending Act ( TILA ) and Fair Debt Collection Practices Act ( FDCPA ), Fraud ; 18 U.S.C. 1001, 26 U.S.C. 7206, Aiding and Abetting ; 18 U.S.C. 2, Conspiracy : in all listed abuses, offenses and violations here ; 18 U.S.C. 956, which also means 15 U.S.C. 1692k ( a ) ( 1 ) ( A ) applies to You that is also an Accomplice and Accessory Before, During and After the Fact, Privacy Invasion ; 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), Negligence ; 15 U.S.C. 1681o and, therefore, Willful Abuse ; 15 U.S.C. 1681n.

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