Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

Immediate Action Required : Violation of United States Code Law Notice to Agent is Notice to Principle and Notice to Principle is Notice to Agent I am outraged by your blatant disregard for the accuracy and integrity of my credit profile. Your failure to employ reasonable measures to ensure the utmost precision in the credit reports you disseminate is unacceptable. Credit reporting laws mandate that agencies report only 100 % accurate credit information. Every effort must be made to ensure the information reported is entirely correct. The following information must be re-investigated immediately. 
15 U.S. Code 1681b - Permissible purposes of consumer reports Pursuant to 15 U.S.C. 1681b, Experian is criminally liable. According to the law : ( a ) In general, 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 instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b, I never provided you with any written consent to report anything on my consumer report. 
I, XXXX XXXX XXXX, never gave written consent to report anything on my consumer report. No consent equates to IDENTITY THEFT. A copy of the law is attached to this dispute letter. 
Pursuant to 15 U.S.C. 1681a ( 2 ) ( B ), any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 U.S.C. 1681 is the same as it is under 15 U.S.C. 1602 ( i ), which states, the term Credit card means any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Notice, Congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from my consumer report pursuant to 15 U.S.C. 1681a ( 2 ) ( B ). 
An alleged debt being furnished on your " credit '' report is a violation of 15 U.S.C. 1692b ( 2 ). It is also advertising to coerce payment, which is illegal.

I demand that you remove these transactions from my report immediately as they violate my rights as a federally protected consumer under Title 15, Chapter 41. Concerning the accounts listed below, as a consumer, I demand the deletion of these accounts : XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXXXXXX XXXX XXXX  Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX XXXXXXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXX Removal XXXX XXXX XX/XX/XXXX This agency is in violation of 15 U.S.C. 1692g. You were required to notify me in writing 5 days prior, which you did not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 

As a consumer, by law, these accounts listed in this letter must be deleted immediately, or I will seek monetary damages in small claims court in my city and state. Additionally, we have already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 

Please remove all non-account holding inquiries. Note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within five ( 5 ) days of the completion of your re-investigation. I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification. 

XXXX XXXX XXXX [ XXXX ] without prejudice, all natural inalienable rights reserved. 
XXXX XXXX XXXX XXXXXXXX XXXX, NY XXXX SSN : XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : Assistant Director of Enforcement Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Washington XXXX XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and Insurance CC : Federal Trade Commission CC : State Regulatory Agency CC : California Regulatory Agency Division of Consumer Complaints