Consumer complaint received 2024-09-06 00:00:00
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.
State: AZ

Complaint narrative:
Today I looked at my consumer report and seen companies that have my information and furnishings on my consumer report without a contract and or my written consent the list of companies below continually violates and discriminates against me as a consumer and I would like these persons to be held accountable and reprimanded accordingly under XXXX USC 1681 thru 1692. These laws are set in place to protect my federal protected consumer rights.the list of agencies below have violated me and I would like for the cfpb to follow the rules and guidelines set in place by congress to hold these persons accountable. As follows these are the accounts of the person I wish to sue under 15 usc 1681 thru usc 1692. XXXX XXXX XXXX opened on XX/XX/XXXX in the amount of XXXX account number XXXX and also XXXX XXXX XXXX opened on XX/XX/XXXX in the amount of XXXX account number XXXX and they state that they are the original creditor which is a lie I am the original creditor under 15 usc 1602 and they havent sent me a copy of my purchase agreement that I continually asked them to send me they should have a copy easily to provide me but Ive never signed anything with these persons they say theyre the original creditor and still nothing but they are allowed to violate me under the law any paperwork with this company and never even heard of them and they are listed on my consumer report I need to receive a sign copy of my written signature this company can not produce or provide my written signature not only are they fraudulent they are also a company to do anything to a consumer to receive payment for illegally obtaining a consumers information and causing consumers other problems due to lies and negligence and blatant disrespect or regard for a consumers livelihood. as it state I am to be reimbursed for any and all violations to my consumer report that are not mines I do not owe these persons nor do I know of these persons In accordance with the fair credit reporting act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 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 agency can not furnish an account without my written instructions. U.S.C 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( a ) ( 1 ) 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. These laws protect me from being abused by the consumer reporting company which have assumed this responsibility of furnishing my consumer report and and it has to be 100 percent accurate. 15 U.S.C 1681 ( a ) ( 3 ) consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers This is the laws set in place by Congress to protect my rights. 15 U.S.C 1681 ( n ) ( b ) Civil liability for knowing non compliance. 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 a consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00} whichever is greater. The law states also 1692 I have the right to refuse payment on things that shouldnt be on my consumer report but being as they assumed a vital role and congress has set certain laws in place I would like to send over a 1099 oid also the form 56 and 1099 oid ab also the 1040 and the 8281 as they are now banned from calling me or faxing me I am also sending them over a true bill under title 15 and they have now violated title 15 as if they are above congress and under title 15 you violate me any further I can sue you as I dont not owe third party debt collectors anything blacks law 4 edition title 1692 as what I thought was loans where actually deposits 15usc 1692 c ( c ) 1692 ( a ) and ( b ) 1692a ( 1-4 ) Please 1692f also states false representation.im also sending a true bill immediately if this isnt resolved asap. ( a ) Duty of furnishers of information to provide accurate information ( 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 consumer reporting agency is inaccurate or incorrect. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency, if ( i ) the person has been notified by the consumer, at the address specified by the person for, such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. ( b ) Inadequacy of laws Existing laws and procedures for redressing these injuries are inadequate to protect consumers. ( c ) Available non-abusive collection methods Means other than misrepresentation or other abusive debt collection practices are available for the effective collection of debts. ( d ) Interstate commerce Abusive debt collection practices are carried on to a substantial extent in interstate commerce and through means and instrumentalities of such commerce. Even where abusive debt collection practices are purely intrastate in character, they nevertheless directly affect interstate commerce. ( e ) Purposes It is the purpose of this subchapter to eliminate abusive debt collection practices by debt collectors, to insure that those debts collections who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent States action to protect consumers against debt collection abuses. 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. ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer, In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after 8 oclock antemeridian and before 9 oclock postmeridian, local time at the consumers location ; ( 2 ) if the debtcollector knows the consumer represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorneys name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer; or ( 3 ) at the consumersplace of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication ; ( b ) Communication with third parties Except as provided in connection 1692b of this title without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditors or ( 3 ) where applicable, to notify the consumers that the debt collector or creditor intends to invoke a specified remedy. If such notice from the consumer is made by mail, notification shall be complete upon receipt. Also account status stating that it is open is a violation under 15USC 1692g my 609 letter was mailed in asking for my wet ink signature lastly title 31 USC 3123 all debts are United States Obligations

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