Consumer complaint received 2021-11-17
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I come today to request that the record is corrected due to errors I've seen on my credit report. I am natural person consumer pursuant 16CFR 444.1 ( d ) A natural person who seeks or acquires goods, services, or money for personal, family, or household use. I am asserting my right against the financial institutions and reporting agencies pursuant Regulation V. 12CFR 1016 Regulation P requires financial institutions to provide certain privacy notices and to comply with certain limitations on the disclosure of nonpublic personal information to nonaffiliated third parties and requires financial institutions and others to comply with certain limitations on redisclosure and reuse. I have not received any disclosures to opt of the sharing of my information. I have reached out to XXXX, XXXX XXXX XXXX XXXX and XXXXXX/XX/XXXX to validate this alleged debt. I filed a FTC report for identity theft attached for more information. XXXX XX/XX/XXXX is claiming I owe a debt how if all debt or alleged debt is obligation of the United States pursuant 18USC8 The term " obligation or other security of the United States '' includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. Pursuant 18 USC 8 how can one have a late payment if said law implies certificates of indebtedness is of the United States. The furnishers of this information is in direct violation of the FCRA. Pursuant 15USc 1681 c ( 2 ) a all information in connection to identity must be block within 4 days. I understand it has to be an investigation but understand that the law trumps policy. I request that the rules of the investigated report is followed pursuant 15USC1681 ( a ) e must have sources of interviews of family and friends. Further more pursuant 15USC 1681A ( 2 ) a ( iii ) I must be given a chance to direct the information whether I want the information about a transaction I had to be reported or not ( Gramm-Leach-Bliley Act ). I request all late payments are removed from my report. I request that XX/XX/XXXX is deleted due to my medical information being shared. I request the proper notices to opt are mailed monthly TO ME from each furnisher meaning financial institution and credit reporting agency failure to disclose such documents is direct violation of Regulation V. This information is false and misleading to anybody who sees my credit report. Banking is dependent upon the accuracy and fairness to the consumer.

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