Consumer complaint received 2022-09-21
Company: Experian Information Solutions Inc.
State: AR
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 XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX Re : Notice to Cease and Desist To Whom it May Concern ; This is in reference to the Consumer Report sent by your Company via email dated XXXX. While checking the above report, it came to my notice that your Company has furnished accounts on my report. According to 15 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. As per the literal interpretation Any medium includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ). Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding these accounts immediately. This includes but not limited to telephone calls, emails, social media, or any Consumer Reporting Agency. Any further contact by your Agent or Company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). If you do not cease communication a lawsuit will be commenced against you. 

I never gave you permission to steal and sale my private information other third parties inn which you have violated my Natural born rights. Under the Fair Credit Reporting Act i have the right to privacy which you didn't give a damn about and you're continuing to profit off my name and private information. 
15 U.S.C. 1681 section 602 A. states I have the right to privacy.

15 U.S.C. 1681 section 602 A section 2 : I t also states a consumer reporting agency can not furnish an account without written instructions. I want you to send me any contract with my signature saying I gave you permission. 
15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information ; Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I have reasonable cause to believe that XXXX fraudulently furnished my nonpublic personal information to a non affiliated third party. As the fiduciary XXXX had an obligation to protect the security and confidentiality of my nonpublic personal information. I'm aware per 15 U.S. Code 6801 - Protection of nonpublic personal information, The XXXX XXXX XXXX of XXXX ( 26 Stat. 209, 15 U.S.C. 1 7, The XXXX XXXX XXXX XXXX XXXX ( XXXX ) Act that I should have received an explanation on how to opt out of having my nonpublic personal information disclosed to a non affiliated third party. I have not received such explanation. I have reasonable cause to believe that XXXX has omitted information required by law to disclose as an attempt to bring harm to me and my financial reputation. I have reasonable cause to believe that this has been done in forethought and malice. I have reasonable cause to believe XXXX has not acted in good faith. XXXX has fraudulently furnished negative information to a non affiliated third party without my lawful consent. Do to the non disclosure do to the known fact of any implied acquiescence would render a contract illegal. I have reasonable cause to believe that the CRA 's have not conducted any reasonable investigation due to the unjust enrichment received. This conspiracy against my rights is a violation of the XXXX XXXX XXXX and is causing a restraint of commerce or trade due to the punishment for the non repayment of an extension of credit. I have reasonable cause to believe that this was done to coerce payments under duress. If XXXX side receives consideration the contract is not lawfully binding and illegal under The XXXX XXXX XXXX of XXXX ( 26 Stat. 209, 15 U.S.C. 1 -7. No contract can make me give up my constitutional rights. XXXX never gave me a contract to verify the alleged debt. XXXX has XXXX  days to remove the all my information or give the consumer a contract with a signature. 

XXXX have been committing fraud, identify theft and long term racketeering along side of banks and third party companies they are using as shark debt collection agencies. XXXX illegally obtained personal and private information and sold it to other reporting agencies, including Experian, XXXX and XXXX. I did not grant XXXX permissible purpose to obtain the information and report it, nor did the debtor. I have not been notified that this information is being provided to the highest bidders. The bankruptcy was filed during a time in my life of struggle, medical issues, and mental anguish. I was improperly advised by attorneys, and I am currently in litigation. I have sustained further emotional and psychological damages because of XXXX unfair and deceptive practices. I am rebuilding my life, but XXXX willful disregard of my privacy and its reporting has damaged my character and is hindering my ability to provide for my family. I have suffered much emotion and mental damage and distress due to this ongoing disproportionate and disgusting behavior. 

It is my undoubted belief that due to XXXX 's business relationship with the consumer reporting agencies, ( such as Experian, XXXX, XXXX ), these CRAs literally parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe. They have come up with an elaborate scheme to con consumers out of their hard earned money through fraudulent practices and not only is this literally extortion this appears to be racketeering and I intend to file criminal suit against ALL PARTIES involved in what transpired under the XXXX act which is punishable by law up to 20 years. I'm a litigious consumer and have no problem exercising my rights to the fullest extent. 



As the consumer and natural person, I am invoking specified remedy and make the following demands : - Provide a complete and updated consumer file for XXXX XXXX as assembled by XXXX. 
- Provide acknowledgment of this official notification that I am opting out of your reporting. Do not report ANY information bearing my identification- Delete all my information immediately. 


Ignoring this Cease and Desist will be evidence that the infringements were willing, deceptive, and in violation of the FCRA. 






Thank you for your cooperation Sincerely Name XXXX XXXX

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