Consumer complaint received 2025-04-04 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: IL

Complaint narrative:
Experian has violated My rights as a consumer also thr FCRA wnd FDCPA Furnishing my report " XXXX XXXX '' and collection companies XXXX, XXXX, This is an alleged debt the credit agency Experian did NOT Notify me before placing it onto my report, I did not give consent of no kind. " The FDCPA and FCRA states if a company is trying to collect a debt after selling it to multiple collections the FDCPA and FCRA provide consumer protections, including limitations on communication frequency methods, and I the consumer have the right to dispute a debt '' I've recieved emails phonencalls and text messages from both collections about the same debt this is a violation to be contacting me who given them the right? I did not consent to this, I did not gibe them my information, and also ai did not confirm they can contact me via email, text, or phone calls, also according to 18 US code 894 ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. XXXX has sent my personal imformation to multiple collections without my consent As per XXXX, XXXXXXXX XXXX XXXX ( XXXX ) are trying to collect on an alleged debt. according to the FCRA this is a violation of my consumer rights. It's also ILLEGAL for a debt collector to buy any debt and come after consumers without the consimer written consent, as per 18 US code 894 TO CONSPIRE to colect a debt can lead to jailtime, and or fees. As per 15usc 1611 Experian XXXX and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc : Consumer Financial Protection Bureau. Cc : Attorneys General 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 I will attach copies of collection agencies reaching out to me about this alleged debt ; Multiple, and also Attach my Identity documents for verification purposes. Please handle this improtant matter, and send me any updated reports immediately. 




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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