Consumer complaint received 2024-05-08 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: NH

Complaint narrative:
I received a copy of my credit report from XXXX, XXXX and Experian and noticed collections that need to be immediately deleted. It is as follows : 1. The status is incorrect for the following account XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

2. The status is incorrect for the following account XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

3. The status is incorrect for the following account XXXX  XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 



THese agencies have violated my consumer rights and violated federal law ; i have proof in 15 USC 1681B ( 2 ) of the Fair Credit Reporting Act, which is noted below, 15 USC 1681B ( 2 ) - permissible purposes of consumer reports, THE LAW CLEARY STATES : ( 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.

I did NOT give these agencies written authorization or written instructions to report this information.

YOU have not only violated the Fair Credit Reporting Act, but your agency has committed aggravated identity theft and I've sustained defamation of character just to name a couple damages should this matter escalate to court.

The creditors mentioned above that are reporting the collection, have violated my consumer right as well, which is noted below in 15 USC 6802, so you are both liable for a lawsuit in conspiring against me if this matter doesn't get resolved privately now.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, THE LAW CLEARLY STATES : ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) 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 ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

A.XXXX, did not disclose to me the consumer that the information reported would be disclosed to the third party the consumer reporting agencies. 

B. XXXX, did not give me an opportunity to direct such information not be disclosed. 

C.XXXX  XXXX, did not give me the consumer an explanation of how i could excercise the non discloure option. 

The law basically states if all XXXX of these discloures were not provided to me that this is a direct violation of the law and I have the right to excercise opting out.

All these 3 discloures were not met, therefore, I am demanding to opt out of having my information reported and demanding the reporting information to be DELETED from my consumer report OR I will seek to take legal action against your agency for willfully violating the law after I've clearly explained to you how you've violated me. 

I submitted a compliant Federal Trade Commission.

Moreover ; because these agencies and the above mentioned creditors have conspired against me collectively, you both violated my rights under 18 USC 241 which is noted below.

18 U.S. Code 241 - Conspiracy against rights, THE LAW CLEARLY STATES : If two or more persons conspire to injure, oppress, threaten, or intimidate any person in any State, Territory, Commonwealth, Possession, or District in the free exercise or enjoyment of any right or privilege secured to him by the Constitution or laws of the United States, or because of his having so exercised the same ; or If two or more persons go in disguise on the highway, or on the premises of another, with intent to prevent or hinder his free exercise or enjoyment of any right or privilege so secured They shall be fined under this title or XXXX  not more than ten years, or both ; and if XXXX results from the acts committed in violation of this section or if such acts include kidnapping or an attempt to kidnap, aggravated XXXX abuse or an attempt to commit aggravated XXXX abuse, or an attempt to XXXX they shall be fined under this title or XXXX for any term of years or for life, or both, or may be sentenced to XXXX  
You have 14 days to respond to upon receipt of this letter to delete the referenced items and send me a new letter notifying me that the information has been deleted from my report and also mail me a new copy of my report or I will be forced to seek legal action against your agency for these damages. 
I ALSO SUBMITTED A COMPLAINT TO THE FTC : CASE NUMBER XXXX

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