Consumer complaint received 2022-03-06
Company: Experian Information Solutions Inc.
State: LA
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:
In accordance with Fair Credit Reporting Act The Following Accounts Violated My Rights : XXXX Account # XXXX, has violated my rights XXXX XXXX Account # XXXX, has violated my rights XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account # XXXX, has violated my rights XXXX  XXXX  ( Original Creditor : XXXX XXXX  ) Account XXXX XXXX, has violated my rights XXXX Account # XXXX, has violated my rights US DEPT ED Account # XXXX, has violated my rights In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. 

15 USC 1692 Section 806 Section 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. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Please Also Note All Inquires shown below Must Be Removed XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Experian XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian My Only Employer on all Credit Reports should only State as XXXX XXXX XXXX XXXX XXXX other employers shall be removed immediately My Only Address on all Credit Reports should only State as XXXX XXXX XXXX XXXX La XXXX All other Address shall be removed immediately All of these items are affecting my ability to live a life and provide for my family 1. ) Financial Injury 2. ) Stress 3. ) Negligent Enablement of Identity Fraud 4. ) Violation of the Fair Credit Reporting Act 5. ) Defamation My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX La XXXX XXXX P.S. Please be aware that dependent upon your response, i may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify the physical verification of the original signed contract of any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent accounts.

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