Consumer complaint received 2025-05-05 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: TN

Complaint narrative:
15 USC The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian Transunion and Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 
And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 A person shall not furnish any information related to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 





According to my credit report, I noticed my privacy rights were violated. 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 an account without my written instructions 15 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. The accounts that are in violation of my rights are listed below. 

My name is XXXX XXXX, a natural living person. This is a notice that you unlawfully reported an unauthorized account on my consumer report. I recently received communication from you attempting to collect the above listed alleged debt. Your initial communication to me in an attempt to collect the alleged debt was within 30 days ago. 
Please be advised that I hereby dispute the validity of the alleged debt listed above and its entirety. 
Further I request verification, validation and proof that this alleged debt and child is mine. In addition I want proof of a copy of a contract or agreement. Said contract or agreement must be with the original creditor, and must be signed by all parties involved. 
You are illegally attempting to collect on the above alleged debt and money that I DO NOT OWE. Cease-and-desist all collection activity including ALL REPORTING to the consumer reporting agencies. Promptly request deletion of all present and prior reporting to the consumer reporting agencies. If you comply with my request within 14 days then you are excused from verification. 

I have not given you written permission to put anything on my consumer report according to 15 USC 1681 ( b ) Permissible Purpose. 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 instruction of the consumer to which one we relate. 
You have no permissible purpose by law to contact third parties with my private or personal information. 15 USC 1681 A4 speaks on a consumers rights and privacy. 15 USC 1692 speaks further on the consumer & # XXXX ; XXXX right individual privacy. According to The Privacy Act, you have violated my right to privacy under the FCRA and the FDCPA. I will not tolerate this abuse! I am a Litigious consumer. I will not hesitate to take legal action and sue you. Yes I will sue you for my infringement on my right to privacy, for advertising this alleged debt on my Consumer report that I do not owe. 
You have no lawful or legal right to collect on. Show me the agreement and or a personal responsibility contract. When and where did I enroll in this program? Send me the contract The following accounts are in questions of violation of my consumer rights and violating the LAW. 

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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