Consumer complaint received 2023-03-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Update My Personal Information XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX, Florida XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Sent Via Certified Mail Return Receipt Requested Dear Sir or Madam : NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT STOP SAYING I'VE HIRED A CREDIT REPAIR COMPANY WHEN IN FACT, I DID NOT. THIS IS ME AS THE NATURAL LIVING PERSON AND THE CONSUMER THAT IS WRITING YOU. YOUR E-OSCAR SYSTEM IS FAULTY AND IM LETTING YOU KNOW I WILL FILE SUIT IF IT CONTINUES TO READ ME AS A 3RD PARTY COMPANY BECAUSE YOU ARE SHOWING DISCRIMINATION TOWARDS ME AND ARE VIOLATING MY RIGHTS TO PRIVACY AS WELL AS DISRESPECTING ME BY STATTING I DO NOT know MY RIGHTS AS A CONSUMER. 

I am writing to CERTIFY that I recently reviewed a copy of Experian credit report and found that part of the following " PERSONAL INFORMATION '' was incorrect. I'm asking you to look into addresses that I've never lived at and that might be on my credit report as a result of fraud as soon as possible. 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy Please refer to the photocopy of my driver 's license that is attached. Just so you know : I've sent this paperwork certified mail. 

Who am I? XXXX XXXX Please IMMEDIATELY remove any more name variations. They are incorrect! 

My current address is XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Florida XXXX IMMEDIATELY delete all other addresses. They are incorrect! 
My employment status right now is EMPLOYED. Please IMMEDIATELY delete any further job variations. They are incorrect! 
I ask that you remove these disputed items. A reasonable amount of time for you to finish your investigation is thirty ( 30 ) days. The FAIR CREDIT REPORTING ACT is in effect. 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer, and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 
The Credit Reporting Act states. Please notify me through mail when these items have been updated and deleted. I now certify that the information above is accurate and true. 

ArtI.S10.C1.2.2.1 Limits on Issuing Legal Tender Article I, Section 10, Clause 1 : No State shall enter any Treaty, Alliance, or Confederation ; grant Letters of Marque and Reprisal ; coin Money ; emit Bills of Credit ; make any Thing but gold and silver Coin a Tender in Payment of Debts ; pass any Bill of Attainder , ex post facto Law, or Law impairing the Obligation of Contracts, or grant any Title of Nobility. 

TRUTH IN LENDING The Commission is empowered by this Act ( Title I of the Consumer Credit Protection Act ) to ensure that most non-depository organizations abide by various legal requirements. The Act, among other things, mandates that creditors who work with customers comply with other laws, provide certain written disclosures about financial costs and associated terms of credit transactions ( including revealing an APR ), and make certain disclosures in advertisements. Numerous amendments to the Act have included rules for credit cards and open-end credit, as well as for mortgage credit, including ability to repay standards, loan origination, anti-steering, appraisal independence, and mortgage servicing. The legislation that this Act amends and is enforced by are noted separately. 






AFFIDAVIT OF AGGRAVATED IDENTITY THEFT XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX, Florida XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Sent Via Certified Mail Return Receipt Requested Dear Sir or Madam : To whom it may concern : I'm writing to contest bogus accusations made against my consumer profile that was displayed on the Experian credit report. I was the victim of identity theft. At this moment I request that you remove the account, issue me an accurate statement and delete the fraudulent charges and any associated financial charges from my consumer profile. 

This warning tells you that an unauthorized account was improperly reported to my consumer report. You do not have my signed consent to change my credit report. My private or personal information can not be used by you to contact third parties for any legal reason. Your offenses qualify as severe identity theft under 18 U.S.C. 1028A. You have committed a felony punishable by up to 2 years in prison and civil responsibility by willfully transferring, possessing, or using a method of identification of mine without my consent. 
This agency violates 15 USC 1692g. I was supposed to receive written notice of this five days in advance, but I never did. I can prove this debt just because I am the original creditor. This debt is not justified by me. The accounts listed below must be removed from my report as a result. 

If you don't act promptly to delete the aforementioned account and send out a free copy of my report after the adjustments have been made, legal action will be initiated against your business, and I will also be seeking {$1000.00} per infraction for the following : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] 15 US Code 1681n - Civil liability for willful noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 
Fair and Accurate Credit Transactions Act The Fair Credit Reporting Act, as amended by the FACT Act, contains provisions designed to enhance the accuracy and integrity of information in consumer reports. 
Section 312 of the FACT Act requires the agencies to : ( 1 ) establish and maintain guidelines on the accuracy and integrity of information furnished to credit bureaus ; ( 2 ) prescribe regulations that require entities that furnish such information to establish reasonable policies and procedures for implementing the guidelines; and ( 3 ) prescribe regulations that identify circumstances under which a furnisher will be required to reinvestigate disputes about the accuracy of the information contained in a consumer report based on a consumer 's direct request. 
The FACT Act requires the agencies to consider specific factors as they develop guidelines and regulations to implement section 312. The ANPR contains a series of questions that will facilitate this process. 
The above noted personal identifiers are the only requisite reported ones that I authorize, please eradicate any allegations of any others that you might have and block any others from being re-reported or demonstrate to me your regulatory right to retain as mandated by FCRA laws. I DO NOT AUTHORIZE you to retain ANY not MANDATED allegations versus me. ANY INFORMATION you retain, or report MUST be mandated, true, and correct. 
complete, timely, proven mine, of my responsibility, and otherwise compliant to any and every reporting regulation in my state or federal laws. 
LIABILITY FOR VIOLATIONS OF THE FCRA Failure to comply with the FCRA can result in state government or federal government enforcement actions, as well as private lawsuits. Sections 6 16, 617, and 621. In addition, any person who knowingly and willfully obtains a consumer report under false pretenses may face criminal prosecution. Section 619.Section 604 of the FCRA ( 15 U.S.C. 1681b No authorization or permissible purpose was established " following the written instructions '' as the consumer to whom it relates to obtaining my consumer report under any circumstances. No consent has been granted from the consumer, even if verbally granted, for this is not good enough even if documentation of such consent is maintained. 

Information regarding inquiries. Except as provided in section 609 ( a ) ( 5 ) [ 1681g ], a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 

FCRA sections in the U.S. Code, 15 U.S.C. 1681 et seq. 
End-users must provide certification to comply with permissible purpose requirement. 
End-users must ( 1 ) identify themselves, ( 2 ) certify the purpose for obtaining reports, ( 3 ) certify the information in the report will be used for no other purpose ( Blanket certification ). 
Background screening companies have obligations to show reasonable procedures to ensure access to only permissible users. 
Certify to users that request will be used for a permissible purpose. 
Adverse Actions Based on Information Obtained From Third Parties Who Are Not Consumer Reporting Agencies If a person denies ( or increases the charge for ) credit for personal, family, or household purposes based either wholly or partly upon information from a person other than a CRA, and the information is the type of consumer information covered by the FCRA, Section 615 ( b ) ( 1 ) requires that the user clearly and accurately disclose to the consumer his or her right to be told the nature of the information that was relied upon if the consumer makes a written request within 60 days of notification. The user must provide the disclosure within a reasonable period of time following the consumer 's written request. 
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
805. Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 812. Furnishing certain deceptive forms ( a ) It is illegal to design, put together, and provide any form with the knowledge that it will be used to give consumers the impression that someone other than their creditor is helping to collect or is trying to collect a debt they are supposedly owed by them, when in fact they are not. 

( b ) Anyone who violates this section is held accountable to the same degree and in the same way that a debt collector is under section 813 for breaking one of this title 's rules. 

814. Administrative enforcement ( a ) Federal Trade Commission The Federal Trade Commission shall be authorized to enforce compliance with this subchapter, except to the extent that enforcement of the requirements imposed under this subchapter is specifically committed to another Government agency under any of paragraphs ( 1 ) through ( 5 ) of subsection ( b ), subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ]. For purpose of the exercise by the Federal Trade Commission of its functions and powers under the Federal Trade Commission Act ( 15 U.S.C. 41 et seq. ), a violation of this subchapter shall be deemed an unfair or deceptive act or practice in violation of that Act. All of the functions and powers of the Federal Trade Commission under the Federal Trade Commission Act are available to the Federal Trade Commission to enforce compliance by any person with this subchapter, irrespective of whether that person is engaged in commerce or meets any other jurisdictional tests under the Federal Trade Commission Act, including the power to enforce the provisions of this subchapter, in the same manner as if the violation had been a violation of a Federal Trade Commission trade regulation rule. 


DECLARATION OF NON-RESPONSIBILITY I/We, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Florida XXXX that I have never received nor used any credit cards, for the purchases of merchandise, services or for any other purpose. No Purchases or uses have been authorized by or with my consent or knowledge, and no benefit or value has been or will be received by me as a result of such transactions. Furthermore, I have never signed any application requesting the issuance of any said credit card, nor did I authorize any person to use a duplicate credit card issued under the above account number. I declare under penalty of perjury that the foregoing is true and correct. 
28 USC 3002 :15 ( 15 ) United States means ( A ) a Federal corporation ; ( B ) an agency, department, commission, board, or other entity of the United States XXXX or ( C ) an instrumentality of the United States XXXX 

" I am a living breathing consumer with the right to privacy, I am NOT a citizen. Citizenship can NOT exist within any corporation ; for only members of a corporation reside '' USC 1602J ( g ) The term creditor refers only to a person who both ( 1 ) regularly extends, whether in connection with loans, sales of property or services, or otherwise, consumer credit which is payable by agreement in more than four installments or for which the payment of a finance charge is or may be required, and ( 2 ) is the person to whom the debt arising from the consumer credit transaction is initially payable on the face of the evidence of indebtedness or, if there is no such evidence of indebtedness, by agreement. Notwithstanding the preceding sentence, in the case of an open-end credit plan involving a credit card, the card issuer and any person who honors the credit card and offers a discount which is a finance charge are creditors. For the purpose of the requirements imposed under part D of this subchapter and sections 1637 ( a ) ( 5 ), 1637 ( a ) ( 6 ), 1637 ( a ) ( 7 ), 1637 ( b ) ( 1 ), 1637 ( b ) ( 2 ), 1637 ( b ) ( 3 ), 1637 ( b ) ( 8 ), and 1637 ( b ) ( 10 ) of this title, the term creditor shall also include card issuers whether or not the amount due is payable by agreement in more than four installments or the payment of a finance charge is or may be required, and the Bureau shall, by regulation, apply these requirements to such card issuers, to the extent appropriate, even though the requirements are by their terms applicable only to creditors offering open-end credit plans. Any person who originates 2 or more mortgages referred to in subsection ( aa ) in any 12-month period or any person who originates 1 or more such mortgages through a mortgage broker shall be considered to be a creditor for purposes of this subchapter. The term creditor includes a private educational lender ( as that term is defined in section 1650 of this title ) for purposes of this subchapter.

15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. 

Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regards to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

INCLUSIONS : The Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) protects personal financial information collected by consumer reporting agencies. The Act limits those who can access such information, and subsequent amendments have simplified the process by which consumers can obtain and correct the information collected about themselves. The FTC also actively enforces prohibitions on fraudulently obtaining personal financial information, a crime known as " pretexting. '' Due to your erroneous data furnishing, you have " ALSO '' made me a victim of harassment and abuse by violating FDCPA 15 U.S. Code 1692d : 15 U.S. Code 1692d - Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. 

( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.

( 3 ) The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of section 1681a ( f ) or 1681b ( 3 )? [ 1 ] of this title. 

( 4 ) The advertisement for sale of any debt to coerce payment of the debt.

( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

( 6 ) Except as provided in section 1692b of this title, the placement of telephone calls without meaningful disclosure of the callers identity. 

15 U.S. Code 1692b - Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 1 ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; ( 2 ) not state that such consumer owes any debt ; ( 3 ) not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ; ( 4 ) not communicate by post card ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt; and ( 6 ) after the debt collector knows the consumer is represented by an attorney with regard to the subject debt and has knowledge of, or can readily ascertain, such attorneys name and address, not communicate with any person other than that attorney, unless the attorney fails to respond within a reasonable period of time to communication from the debt collector. 









XXXX XXXX Address : XXXX XXXX XXXX XXXX  XXXX, Florida XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Sent Via Certified Mail Return Receipt Requested To Whom It May Concern : This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. 
15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 
The Following Inquires are a result of Identity theft and was not initiated by me, I demand that they are DELETED immediately : XXXX. XXXX XXXX  Account Number : XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX. XXXX XXXX  Account Number : XXXX XXXX. The following personal information is incorrect Account Number : Name : XXXXXXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX The information regarding this account is inaccurate because I dont have a contract with this company, nor do I owe a balance. account needs to be deleted immediately because it is detrimental to my Credit report and score. 
The following supporting documents are enclosed for your review : 1. Identity Theft Report 2. Notary My identity has been stolen you are hereby put on notice. 
Aggravated Identity Theft pursuant to 18 U.S.C. 1028A.

( 1 ) In general. 
Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. 
An identification of me has been used without my permission to open several accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by Federal Law 15 USC 1681b Permissible purpose of consumer reports In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates. " As ( 3 ) To a person which it has reason to believe Credit Reporting and Scores Under the CARES Act In response to the unprecedented financial impact of the COVID-19 outbreak, many lenders have developed relief options that give consumers wiggle room if they are unable to make their regular payments. To protect consumers against being reported as delinquent if they utilize these options, the CARES Act calls for creditors to adjust how they report accounts that have been modified. 
The law requires creditors to report any account that has a payment accommodation applied to it as current to the credit bureausas long as the account was current when the accommodation was made. Here are two scenarios you could experience under the CARES Act : If your loan is considered current ( not past due ) at the time you make an agreement with your creditor to modify repayment, the creditor needs to report to the credit bureaus that you are current on your loan. 
If your loan is considered delinquent ( past due ) when you make an agreement with your creditor, your status will continue to show as delinquent until you bring the account back into good standing. Once you bring the account current, the creditor must report your status as current to the credit bureaus. 
According to the new law, an " accommodation '' could be an agreement to make partial payment, to put a loan in forbearance, to modify a loan or to offer any other relief. 
The CARES Act protections require creditors to follow these guidelines for all agreements made between XX/XX/XXXX, through either XX/XX/XXXX ( 120 days after XX/XX/XXXX, when the law was enacted ), or 120 days from the date the COVID-19 national emergency is declared over. 
If you're unsure about your specific arrangement and want to know whether you're protected by these requirements, contact your lender and ask how they plan to report your information to credit bureaus. Make sure you document all your interactions by taking notes and screenshots and saving emails, so if your lender fails to follow through, you'll be prepared to dispute them. 













































XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, Florida XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern : I recently received a copy of my Experian credit report, and I noticed some late payments posted on my credit report : XXXX. XXXX XXXX  Account Number : XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX. XXXX XXXX  Account Number : XXXX XXXX. The following personal information is incorrect Account Number : Name : XXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX I recently received a copy of my consumer report, and I noticed some late payments posted on my accounts. By law, pertaining to the CARES ACT, accommodations were made to my account and ive been current since, and late payments should have not been reported and is a clear violation to my rights as a CONSUMER. I have never missed a payment in the month of XX/XX/XXXX or any months after. Pleas update the month of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to either ON TIME, NO DATA/DATA UNAVAILABLE, or DELETE ACCOUNT altogether : The following supporting documents are enclosed for your review : 1. Identity Theft Report 2. CARES ACT Your company is in clear violation of the law. Under 15 US C 1681b permissible purpose of consumer reports, THE LAW CLEARLY STATES : XXXX. XXXX XXXX  Account Number : XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX. XXXX XXXX  Account Number : XXXX XXXX. The following personal information is incorrect Account Number : Name : XXXXXXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates. 

Did I give you written instruction to furnish this on my credit report? 

Furthermore, the fair credit reporting act 15 USC 1681b ( 2 ) ( a ) ( 1 ) Exclusion from a consumer credit report clearly states : ( 2 ) EXCLUSIONS -- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this tile, any- ( i ) Report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Delete the above late payments from any consumer report, this agency is in violation of 15 USC 168i. 

I recently received a copy of my consumer report, and I noticed some late payments posted on my accounts. By law, pertaining to the CARES ACT, accommodations were made to my account and ive been current since, and late payments should have not been reported and is a clear violation to my rights as a CONSUMER. I have never missed a payment in the month of XX/XX/XXXX or any months after. Pleas update the month of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to either ON TIME, NO DATA/DATA UNAVAILABLE, or DELETE ACCOUNT altogether : The following supporting documents are enclosed for your review : 1. Identity Theft Report 2. CARES ACT Your company is in clear violation of the law. Under 15 US C 1681b permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates. 

Did I give you written instruction to furnish this on my credit report? 

Furthermore, the fair credit reporting act 15 USC 1681b ( 2 ) ( a ) ( 1 ) Exclusion from a consumer credit report clearly states : ( 2 ) EXCLUSIONS -- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this tile, any- ( i ) Report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Delete the above late payments from any consumer report, this agency is in violation of 15 USC 168i.

Your company is in clear violation of the law. Under 15 US C 1681b permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates. 

Did I give you written instruction to furnish this

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