Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Please let this serve as my final documented complaint before I commence legal proceedings. This complaint is in support and follow-up of my initial CFPB complaint # XXXX that has been unresolved by consumer reporting agencies Experian, XXXX, and XXXX . I am requesting an opt-out from these private for-profit companies illegally selling, trading, and reporting my information WITHOUT MY PERMISSION, including my private social security number. Under 5 USC 522A We are not supposed to give our social security number out to anyone. Companies are also supposed to submit a request authorization form to the social security administration to utilize my number for any purposes. I would like to see copies / proof of these request forms that the credit agencies submitted to the social security administration or myself for permission to utilize my social security number for data reporting. Upon contacting the credit agencies by phone and electronically through their dispute systems, they have repeatedly denied my requests and refused to remove the items that were under investigation of Identity fraud documented in FTC report # XXXX. They have also failed to follow my instructions in removing unmailable addresses and unconfirmed employers. They have illegally shared my email address with the companies that I experienced identity fraud with, and I have proof of this with Experian specifically. After I contacted Experian on XX/XX/XXXX ( proof attached ), I started getting new emails from XXXX XXXX asking me to update my account information ( attached ), and I've never had an account with them. This means Experian shared my email address with XXXX XXXX without my permission. Experian also " completed '' my electronic dispute on XX/XX/XXXX where I submitted to them an FTC identity fraud report, my CFPB complaint, a copy of my ID, and a letter. It is now XX/XX/XXXX. They are in violation of the FOUR DAY requirement to remove information under identity theft and fraud laws. Nothing has been removed. I am submitting this new complaint to document that by law each of these companies had FOUR days to remove these items after my initial complaint, they have failed to comply, and they are now in violation. This information continues to be fraudulently reported by these credit reporting agencies. I have now filed additional reports with the XXXX and the California State Attorney General 's office. My rights have been violated and I never gave any of these companies my express WRITTEN permission to report, share, or sell any information about me or any accounts, especially those that I have identified as fraudulent.15 U.S.C 1681 section 604 A. Section 2 : States a consumer given reporting agency can not furnish an account without my written instruction. I did not give these companies authorization or permission to have my personal identifying information, which they have obtained by aggravated identity theft 18 U.S.C 1028A. Additionally,15 U.S.C 1681 section 602 A. states I have the right to privacy. " 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. '' Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). In Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX, XXXX ), these companies are now liable for their willful non-compliance. They are also in violation of False Claims Act ( FCA ) 31 U.S.C 3729-3733 ___ The following accounts listed are FRAUDULENTLY being reported and must be removed : XXXX XXXX XXXX : # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX # Unknown, XXXX XXXX # XXXX, XXXX XXXX # XXXX ( 2 Items - both under this Creditor name need to be removed ), XXXX XXXX | XXXX # XXXX, XXXX XXXX XXXX # XXXX. Any charge-offs are considered a Certificate of Indebtedness which is INCOME, and it must be removed. It is not allowed to be reported. The following list of addresses are UNMAILABLE and need to be removed : XXXX XXXX XXXX XXXX, XXXX, CA XXXX, XXXX XXXX XXXX XXXX. XXXX, CA XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX, XXXX  XXXX, CA XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. The following employers are not accurate and need to be removed : XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX . This is now my last request before legal proceedings commence to recover damages. The first CFPB complaint, and now this complaint will also be tendered as evidence of failure to comply if these items are not removed IMMEDIATELY. I am asking the CFPB to fully enforce 15 USC 6802, 6805 and 16 CFR 313.7, per the code. Any authorization, verbal or non-verbal, written or non-written, for these companies to continue reporting the aforementioned accounts is REVOKED, effective immediately. If these items continue to be reported or are re-reported in the future, it is a direct violation of the Privacy Act of XXXX.