Consumer complaint received 2024-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX RE : I DO NOT AUTHORIZE you to retain nor report any not proven true correct valid and required reported personal identifier information that is not in exact agreement with my submitted FACTUALLY CORRECT CURRENT PERSONAL IDENTIFIERS as indicated above! 


To Whom It May Concern : XXXX XXXX XXXX account # XXXX. 


Being the FACT, I DEMAND a document of CERTIFIED COMPLIANCE displaying undoubted PROOF of all claims ( s ), PHYSICALLY VERIFIABLE TRUTH, CORRECTNESS, TIMELINESS, COMPLETENESS, OWNERSHIP OF RESPONSIBILITY, and VALIDITY including ANY STANDARD necessary be it mentioned or NOT! COMPLIANT REPORTING of VALID INFORMATION is NOT OPTIONAL, it IS THE REQUIREMENT. Any claim of negativity NOT meeting this STRICT STANDARD I here now CONTEST its REPORTABILITY and CHALLENGE all involved in its reporting to DEMONSTRATE PHYSICAL PROOF of FACTS and COMPLIANT REPORTING else ERADICATE any and all aspect of claimed delinquency ( ies ) and or derogatoriness ( es ) reporting and inadequately alleged. 

According 15 U.S. Code 1681q - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. I have made a report directly to XXXX XXXX XXXX account # XXXX as Identity fraud below the dates in XX/XX/XXXX and previously filed a dispute to the agency and have not done positive things to reach out and remove the collection consider as " Fruad Idendtity '' because it was not me. As this has been an ongoing investigation since the dates XX/XX/XXXX it has been impacting my credit score enormously. Please see attached screenshot of proof that I continuously filed as a dispute with XXXX XXXX XXXX account ending # XXXX on recent dates shown XX/XX/XXXX According to 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information states that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; I was never advised and missed the opportunity, that should have been given to me and such information was initially disclosed without my consent to be disclosed to such third party ; therefore, violated my rights and violated the law of 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. This has been an opened account as fraud identity, and I need statements I opened this account under my authorization and provide proof of accurate statements. I need this collection to be removed from my credit report from Experian, XXXX. 









Remove all Collection false statements from XXXX XXXX XXXX account ending # XXXX According to 15 U.S. Code 1681q - Obtaining information under false pretenses explains I was violated by my rights without my consent! I never opened an account on XX/XX/XXXX regarding XXXX XXXX XXXX account ending # XXXX Any reported Personal Identifier Information NOT EXACTLY as above detailed I do NOT certify is adequately true, correct, timely, complete, verifiably valid nor else wise certifiably compliant in its adequate lawful requisite reporting process ( es ) and or with in the precise and complete adherence to the mandatory format of reporting standard, namely Metro 2 Compliant reporting! Any such currently reported personal identifier information is contested and any associated delinquency event ( s ) and or derogatoriness ( es ) equally are NOT ASSUMED FACTUALLY VALID and CERTIFIED COMPLIANT in its reporting nor format of reporting so eradicate any such deficient claim, true or not.

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