Consumer complaint received 2022-08-20
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Complaint Regarding Federal Student Loan As of XX/XX/XXXX, an amendment to regulation F, which implements the Fair Debt Collection Practice Act says that a debt collector cant report a debt to the three major credit reporting agencies, XXXX, Experian, and XXXX, before first contacting the consumer. I have a supervisor from XXXXU.S. Department of Justice stating that they sent documents to all three major credit reporting agencies mentioned above plus she stated that the social security number was on those documents. She had gotten angry with me regarding providing me with full disclosure about the so security number. I told the supervisor that was identity theft. The unlawful compelled use of the social security card, name and account number to alter and sell that card, name and account number to private corporations for profit is unlawful and violates the Privacy Rights Act of 1974 via 5 U.S.C. 552a, 31 C.F.R. 1.32 and 42 U.S.C 408.

15 U.S.C. 1692j-Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a customer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.

( b ) Any person who violate this section shall be liable to the same extent and in the same manner as a debt collector is liable under section1692k of this title for failure to comply with a provision of this subchapter.

Violations 15 U.S.C 1611-criminally 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. 1681b ( a ) ( 1 ) ( 2 ) -Permissible purpose of consumer report 15 U.S.C . 1681s-2-Responsibilities of furnishers of information consumer reporting agencies 15 U.S.C 1692j-furnishing certain deceptive forms 15 U.S.C. 1681n-civil liability for willful noncompliance 15 U.S.C 1681o-civil liability for negligent noncompliance 15 U.S.C 1692k-civil liability 15 U.S.C. 1681-Disclosures to consumers Grand Larceny 18 U.S.C. 1028a-aggravated identity theft 18 U.S.C. 1001-false information 18 U.S.C. 1039-false information and hoax 15 U.S.C 52-dissemination of false information 15 U.S.C. 1681c-1-identity theft prevention ; fraud alerts and active duty 15 U.S.C . 1681c-2-block of information resulting from identity theft 42 U.S.C . 408-penalties regarding the social security number 31 C.F.R. 1.32-Use disclosure of social security numbers Violation of Privacy Act of 1974/5 U.S.C 552a-disclosure of social security number Violation of Fair Debt Collection Practice Act Violation of Fair Credit Reporting Act 15 U.S.C. 1692e- A debt collector may not use any false, deceptive or misleading information or representation or means in connection with the collection of any debt without limiting the general application the foregoing, the following conduct is a violation of this section : ( 2 ) The false representation of- ( a ) the character, amount or legal status of any debt; or ( b ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt

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