Consumer complaint received 2022-09-13
Company: Experian Information Solutions Inc.
State: TN
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:
Several violations were committed by employees of consumer reporting agencies involving a third party financial institution allege debt collector regarding unauthorized use of credit card, identity theft and reporting consumer reports without written authorization or permission by Natural Living Man. Experian, XXXX and XXXX are in willful and knowing violation for reporting false and misleading, inaccurate information after theyve been warned of such matters which includes names that are fictitious names and addresses along with employment history. Employees acting on behalf of Consumer reporting agencies did not obtain written permission pursuant to 15 U.S.C. 1581b ( a ) ( 2 ) ( 3 ) ( a ). There's no prove regarding financial institutions loaning out cash or asset of its depositors pursuant to 12 U.S.C. 83, otherwise where's the validation of proof which shows the audits and transmission of currency being lent out and why didnt the consumer reporting agencies validate the alleged debts if there were any debts owed by the Natural Living Man instead of unlawfully reporting a private consumer transaction publicly on consumer reports without written authorization or permission by The Natural Living Man is the question! The non-affiliated third parties which are the consumer reporting agencies failed to investigate and validate such debts owed by the Corporation that the Natural Living Man is the beneficiary over. The U.S. Department of Education is required pursuant 16 C.F.R. Subsection 433.1 to Admit or Deny the consumer actually finance loans. If denied then provide proof. XXXX XXXXXXXX or Experian never received written permission by consumer for the unauthorized use of the social security card, name and account number pursuant to XXXX XXXX. XXXX ( p ) nor did they get permission by the consumer to publicize non-public information pursuant to 15 U.S.C. 6803 which violates Privacy Act of XXXX pursuant to 5 U.S.C. 552a which clearly states that it shall be unlawful for any federal, state or local government agency to deny to any individual any right, benefit, or privilege provided by law because of such individuals refusal to disclose his social security number. This also means that men or women cant be identified by a social security number or paper. Pursuant to 15 U.S.C. 1681a ( 3 ) ( 4 ) -the consumer reporting agencies committed identity theft. ( 3 ) The term identity theft means a fraud committed using the identifying information to another person, subject to such further as the bureau may prescribe by regulation. ( 4 ) Identity theft report. The term identity theft report has the meaning given that term by rule of the Bureau, and means at a minimum, a report, ( a ) that alleges identity theft. This constitutes identity theft when U.S. Department of EducationXXXX XXXX conspired to deprive the consumer by unlawfully reporting to consumer reporting agencies by means of altering, trading and selling of the social security card , name and account number which are non-public records and violates the privacy act of XXXX, and employees of the consumer reporting agencies did not get permission from the Natural Living Man to disclose such private information amongst each other pursuant to 15 U.S.C. 1602 ( p ) -unauthorized use, 15 U.S.C . 1581b-permissible purpose of consumer report which carries penalties punishable by law pursuant 42 U.S.C. 408-penalties. Other Violations are 15 U.S.C. 6802-obligation with respect to disclosure of personal information, 15 U.S.C. 1611-criminal liability for willful and knowing violation, 15 U.S.C. 1640-civil liability, 15 U.S.C. 1641-liability of assignees, 15 U.S.C. 1681n-civil liability for willful non-compliance, 15 U.S.C. 1681o-civil liability for negligent noncompliance 15 U.S.C. 1644 ( a ) -use, attempt or conspiracy to use credit card in transaction affecting interstate or foreign commerce, 15 U.S.C 1692g-validation of debts, 15 U.S.C. 1681s-2-responsibilities of furnishers of information to consumer reporting agencies, 18 U.S.C . 241-conspiracy against constitutionally protected rights under color of law, 18 U.S.C. 242-deprivation of constitutionally rights under color of law. Other violations are under 15 U.S.C 1581m ( f ) ( 1 ) -prohibition on sale or transfer of debt caused by identity, ( 1 ) In General-No one shall sell, transfer for consideration, or place for collection a debt that such Man or Woman has been notified under section 1681c-2 of this title has resulted from identity theft. 15 U.S.C 1681-congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting. In this case theres no fairness whatsoever because the consumer reporting agencies are committing identity theft anytime at any day and are reporting on consumer reports without written permission or authorization by the consumer. If the U.S. Department is acting as a third party interloper to collect debts that means such debts were paid for in full. 
Please Note : it is a crime to overthrow our constitutionally form of government for monetary gain of function and profit. In the article " who owns your credit score '', the ceo admitted that his own consumer report was inaccurate. It goes on to state that " XXXX XXXX, told XXXXXXXX XXXX XXXX XXXXXXXX that when he first checked his own XXXX credit report, it showed he bought a vaccum cleaner he didn't own, a mobile phone service he hadn't signed up for and a credit card he didn't have. Claim Numbers Regarding Disputes : XXXX Claim Number-XXXX Federal Trade Commission Claim NumberXXXX XXXX Claim Number-XXXX  Equifax Claim Number for U.S. Department of EducationXXXX XXXX Calim NumberXXXX

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