Consumer complaint received 2024-09-25 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: NM

Complaint narrative:
15 U.S. Code 1681a - Definitions ; rules of construction Exclusions, giving me the right for the credit reporting Bureaus to not post my open accounts that means do not report late charges late payments, closed off accounts violation directly to my well-being integrity dignity Please provide me tge letter with my signature the written consent by me giving you access to my everyday, Transactions, not needed on my rports.

12 U.S.C. 1813 ( q ) .12 CFR 32.2 32.5.

CFPA section 1031 ( d ) sets forth the general standard for determining whether an act or practice is abusive.See12 U.S.C. 5531 ( d ) .Rule 11-508. Trade secrets A person may refuse to disclose and may prevent others from disclosing a trade secret owned by him. 27-2B-17 Public assistance.

15 U.S.C.1681 ( a ) ( p ) 31-26-2. Purpose of Act.

Recognizing the states concern for victims of crime, it is the purpose of the Victims of Crime Act to assure that : The full impact of a crime is brought to attention of a court.

Victims of violent crimes are treated with dignity, respect and sensitivity at all stages of the criminal justice procesln Victims rights are protected by law enforcement agencies, prosecutors and judges as vigorously as are the rights of criminal defendants ; and The provisions of Article 2. Section 24 of the constitution of New Mexico are implemented in statute. 
Be treated with fairness and respect Timely disposition of the case Be reasonably protected from the accused throughout the criminal justiceprocess. 
Make a statement to the court at sentencing and at any post sentencing hearings for the accused. 
If requested by the victim, of the necessity of the victims cooperation and testimony in a court proceeding that may necessitate the absence from work for good cause ; Information about the conviction ; sentencing ; imprisonment escape or release of the accused ;. a notice is required. As looking at all my past disputes I clearly have stated I never have received Any notice from XXXX XXXX XXXX or XXXX. 
15 U.S C.1681a p The notice required. 15 U.S C.1681 ( 2 ) Rule of construction To whom which is in Default : XXXX XXXX XXXX the case of default due process was not established nor did any provision of any principal or interest has not been approved by protection providers. All Parties in New contract also was not approved ederal banking agency determines that a renewal or restructuring was undertaken Speaking directly the phone is not allowed and is a violation of credit protection Act attempting to collect a a debt precludes any further collection action and infringement of Breach of privacy additional violation directly to damage my constitutional rights having XXXXXXXX XXXX  and XXXX XXXXXXXX XXXX Permanently deleted from all three Credit reporting Bureaus, XXXX XXXX, XXXX and Experian there investigations have proven that I am not responsible for this fraudulent practices in this case. 
86 FR 34617, XX/XX/XXXX ] ix ) A policy governing write-offs and settlements to include : Identification of agent ( s ) authorized to approve write-offs and settlements ; Authorization levels for write-offs and settlements of lines of credit instruments ; Required documentation for write-offs and settlements ; As we are bringing the following points of facts on the table and on Attorneys, notice required bysection 552a ( e ) ( 4 ) of title 5indicates that information in the system may be disclosed to aconsumer reporting agencyor commercial reporting agency, respectively. I ask you to recognize that your company has been already proven to have been deleted by 3 different investigations 3 different times and has documented each time that the account was sold. U.S. Code Title 31 SUBTITLE III 31 U.S. Code 3711 - Collection and compromise fraudulently witch means identity theft is clearly established you're the one who has stolen my identity and conspiracy against me intentionally harming my well-being integrity and Civil Liberties constitutional Rights as c a public body state agencie third-party entities acting for the Government discrimination against me also depriving me of my credit breaking policy and procedures Taking Unreasonable Advantage, as defined in the CFPA,. Under 1026.23 ( d ) ( 2 ), .for ensuring that appropriate referral and certificate of the controller of the monies and protection of the money with a signed New Contract by all parties including the Secretary of the Treasury . Reasonable Reliance : The third circumstance, of which entities can not take unreasonable advantage, as defined in the CFPA, concerns the reasonable reliance by the consumer on a covered person to act in the interests of the consumer.73 as well as notice of actions being taken to the transfer closure selling writing off of such account without the prior written consent and process of collection activity is void. In harassment and terrorists tactics against my I say under the color of law you are violating my Civil liberties constitutional Rights to understand I know my rights as well I am entitled to fairness and equal access to justice in the constitutional challenge of this violation of my constitutional rights and civil liberties, ( f ) if the derivativecontractrequires the protection purchaser to transfer an exposure to the protection provider at settlement, the terms of at least one of the exposures that is permitted to be transferred under thecontractprovide that any required consent to transfer may not be unreasonably withheld ; and ( g ) if thecredit derivativeis a credit default swap, the derivative contract : ( i ) identifies the parties responsible for determining whether a credit event has occurred ; ( ii ) specifies that the determination is not the sole responsibility of the protection provider ; and ( iii ) gives the protection purchaser the right to notify the protection provider of the occurrence of a credit event.

( 8 ) '' Eligible guarantee '' means a guarantee that : ( a ) is written and unconditional ; ( b ) covers all or a pro rata portion of all contractual payments of the obligor on the reference exposure ; ( c ) gives the beneficiary a direct claim against the protection provider ; ( d ) is not unilaterally cancelable by the protection provider for reasons other than the beneficiary 's breach ofcontract ; ( e ) is legally enforceable against the protection provider in a jurisdiction where the protection provider has sufficient assets against which a judgment may be attached and enforced ; ( f ) requires the protection provider to make payment to the beneficiary on the occurrence of a default ( as defined in the guarantee ) of the obligor on the reference exposure in a timely manner without the beneficiary first having to take legal action to pursue the obligor for payment ; ( g ) does not increase the beneficiary 's cost of credit protection ; ( j ) a foreign banking organization ; ( k ) a non-U.S.-based securities firm or a non-U.S.-based insurance company that is subject to consolidated supervision and regulation comparable to that imposed on U.S. depository institutions, securities broker-dealers, or insurance companies ; and ( l ) aqualifying central counterparty.

( 10 ) '' Eligible statebank '' means abankorganized under Montana laws that : ( a ) is well-capitalized as defined in the prompt corrective action rules applicable to thebank ; and ( b ) has a composite rating of 1 or 2 under the Uniform Financial Institutions Rating System in connection with thebank 's most recent examination or subsequent review.

( 11 ) '' Loans, '' " extensions of credit, '' or " obligations '' have the meaning in32-1-432, MCA , and any credit exposure determined under ARM2.59.129arising from aderivative transactionor a securities financing transaction.

( a ) The terms include : ( i ) acontractual commitment to advance funds ; ( ii ) a maker or endorser 's obligation arising from abank 's discount of commercial paper ; ( iii ) abank 's purchase of third-party paper subject to an agreement that the seller will repurchase the paper upon default or at the end of a stated period. The amount of thebank 's loan is the total unpaid balance of the paper owned by thebankless any applicable dealer reserves retained by thebankand held by thebankas collateral security. Where the seller 's obligation to repurchase is limited, thebank 's loan is measured by the total amount of the paper the seller may ultimately be obligated to repurchase. Abank 's purchase of third-party paper without direct or indirect recourse to the seller is not a loan or extension of credit to the seller ; ( iv ) an overdraft, whether or not prearranged, but not an intraday overdraft for which payment is received before the close of business of thebankthat makes the funds available ; ( v ) the sale of federal funds with a maturity of more than one business day, but not federal funds with a maturity of one day or less or federal funds sold under a continuingcontract ; ( vi ) loansor extensions of credit that have been charged off on the books of thebankin whole or in part unless the loan or extension of credit is : ( A ) unenforceable by reason of discharge in bankruptcy ; ( B ) no longer legally enforceable because of expiration of the statute of limitations or a judicial decision ; or ( C ) no longer legally enforceable for other reasons provided that thebankmaintains sufficient records to demonstrate that the loan is unenforceable ; and The terms and conditions dictating the manner in which the derivative contract is to be settled are incorporated into the contract ; ( 5 ) If the derivative contract allows for cash settlement, the contract incorporates a robust valuation process to estimate loss with respect to the derivative reliably and specifies a reasonable period for obtaining post-credit event valuations of the reference exposure ; ( 6 ) If the derivative contract requires the protection purchaser to transfer an exposure to the protection provider at settlement, the terms of at least one of the exposures that is permitted to be transferred under the contract provides that any required consent to transfer may not be unreasonably withheld ; and ( 7 ) If the credit derivative is a credit default swap, the derivative contract clearly identifies the parties responsible for determining whether a credit event has occurred, specifies that this determination is not the sole responsibility of the protection provider, and gives the protection purchaser the right to notify the protection provider of the occurrence of a credit event renewal or restructuring of aloanas a new " loanor extension of credit, '' following the exercise by abankof reasonable efforts, consistent with safe and sound banking practices, to bring the loan into conformance with the lending limit, unless new funds are advanced by thebankto the borrower ( except in circumstances permitted under 12 CFR32.3 ( b ) ( 5 ) ), a newborrowerreplaces the originalborrower, or unless the department singly or in collaboration with the appropriate federal banking agency determines that a renewal or restructuring was undertaken as a means to evade thebank 's lending limits ( vi ) with regard to participations : ( A ) that portion of aloanor extension of credit sold as a participation by abankon a nonrecourse basis, provided that the participation results in a pro rata sharing of credit risk proportionate to the respective interests of the originating and participating lenders. Where a participation agreement provides that repayment must be applied first to the portions sold, a pro rata sharing will be deemed to exist only if the agreement also provides that, in the event of a default or comparable event defined in the agreement, participants shall share in all subsequent repayments and collections in proportion to their percentage participation at the time of the occurrence of the event ; renewal or restructuring of aloanas a new " loanor extension of credit, '' following the exercise by abankof reasonable efforts, consistent with safe and sound banking practices, to bring the loan into conformance with the lending limit, unless new funds are advanced by thebankto the borrower ( except in circumstances permitted under 12 CFR32.3 ( b ) ( 5 ) ), a newborrowerreplaces the originalborrower, or unless the department singly or in collaboration with the appropriate federal banking agency determines that a renewal or restructuring was undertaken as a means to evade thebank 's lending limit ; ( v ) amounts paid against uncollected funds in the normal process of collection ; ( ( vi ) with regard to participations : ( A ) that portion of aloanor extension of credit sold as a participation by abankon a nonrecourse basis, provided that the participation results in a pro rata sharing of credit risk proportionate to the respective interests of the originating and participating lenders. Where a participation agreement provides that repayment must be applied first to the portions sold, a pro rata sharing will be deemed to exist only if the agreement also provides that, in the event of a default or comparable event defined in the agreement, partqcipants shall share in all subsequent repayments and collections in proportion to their percentage participation at the time of the occurrence of the event ; s legally enforceable against the protection provider in a jurisdiction where the protection provider has sufficient assets against which a judgment may be attached and enforced ; ( f ) requires the protection provider to make payment to the beneficiary on the occurrence of a default ( as defined in the guarantee ) of the obligor on the reference exposure in a timely manner without the beneficiary first having to take legal action to pursue the obligor for payment ; ( g ) does not increase the beneficiary 's cost of credit protection on the guarantee in response to deterioration in the credit quality of the reference exposure ; and ( h ) is not provided by an affiliate of thebank, unless the affiliate is an insured depository institution, bank, securities broker or dealer, or insurance company that : ( i ) does not control thebank; and ( ii ) is subject to consolidated supervision and regulation comparable to that imposed on U.S. depository institutions, securities broker-dealers, or insurance companies as applicable Again you didn't have authority to control the selling closing of our agreement didn't create any contract and withheld information for reasonable consumer not aware of any disputes or pro- rata. No legal action was given to you in any court of Law, strong arming my credit report when not allowed. Please remove all inquiries from my credit report and not in compliance with applicable consumer credit information for the Government of United States protection providers in writing off the agreement with BORROWER. 
XXXX XXXX XXXX  has sold the account without proper policy and procedures no notice letters of communication. No certificate from the Secretary of the treasury Authorizing Permission to sell close account This account has been on and off of my reports through The year harassment and damaging to my credit.

Open accounts that are going on now that I am still paying on and on. Going are being reported which do not need to be reported because because of exclusion and disclosure. And I never gave cassette to do anyconstantly harassing me constantly violating my rights. I'm reporting a business transaction when it's an LLC and it's not even in my name, it's KG 's l l c how could that be fair reporting. Depriving me of credit and what they wrote when I read my credit report is far from fait 's no wonder I can't access any credit.Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or I my sue as Above Law 's state. Hopefully the State and Federal regulations will make decisions on how much responsibility is being made by LENDER must notify debtor.

5 U.S. Code 1692k U.S. Code Title 12 CHAPTER 35 3412 Title 12 U.S. Code 3412 - Use of information U.S. Code ( a ) Transfer of financial records to other agencies or departments ; certification Financial records originally obtained pursuant to this chapter shall not be transferred to another agency or department unless the transferring agency or department certifies in writing that there is reason to believe that the records are relevant to a legitimatelaw enforcement inquiry, or intelligence or counterintelligence activity, investigation or analysis related to international terrorism within the jurisdiction of the receiving agency or department.

( b ) Mailing of copy of certification and notice to customer Whenfinancial recordssubject to this chapter are transferred pursuant to subsection ( a ), the transferring agency or department shall, within fourteen days, send to thecustomera copy of the certification made pursuant to subsection ( a ) and the following notice, which shall state the nature of thelaw enforcement inquirywith reasonable specificity : Copies of, or information contained in, yourfinancial recordslawfully in possession of have been furnished to pursuant to the Right of FinancialPrivacy Actof [ 12 U.S.C. 3401et seq. ] for the following purpose :. If you believe that this transfer has not been made to further a legitimatelaw enforcement inquiry, you may have legal rights under the FinancialPrivacy Actof 1978 or thePrivacy Act of 1974 [ 5 U.S.C. 552a ].

( c ) Court-ordered delays in mailing Notwithstanding subsection ( b ), notice to thecustomermay be delayed if the transferring agency or department has obtained a court order delaying notice pursuant to section 3409 ( a ) and ( b ) of this title and that order is still in effect, or if the receiving agency or department obtains a court order authorizing a delay in notice pursuant to section 3409 ( a ) and ( b ) of this title. Upon the expiration of any such period of delay, the transferring agency or department shall serve to thecustomerthe notice specified in subsection ( b ) and the agency or department that obtained the court order authorizing a delay in notice pursuant to section 3409 ( a ) and ( b ) of this title shall serve to thecustomerthe notice specified insection 3409 ( b ) of this title.

( d ) Exchanges of examination reports by supervisory agencies ; transfer of financial records to defend customer action ; withholding of information Nothing in this chapter prohibits anysupervisory agencyfrom exchanging examination reports or other information with anothersupervisory agency. Nothing in this chapter prohibits the transfer of acustomersfinancial recordsneeded by counsel for aGovernment authorityto defend an action brought by thecustomer.Nothing in this chapter shall authorize the withholding of information by any officer or employee of asupervisory agencyfrom a duly authorized committee or subcommittee of theCongress.

( e ) Exchange of records, reports, or other information Notwithstandingsection 3401 ( 6 ) [ 1 ] of this title or any other provision of law, the exchange offinancial records, examination reports or other information with respect to a financial institution, holding company, or any subsidiary of a depository institution orholding company, among and between the five member supervisory agencies of the Federal Financial Institutions Examination Council, theSecurities and Exchange Commission, theFederal Trade Commission, theCommodity Futures Trading Commission, and the Bureau of Consumer Financial Protection is permitted.

( f ) Transfer to Attorney General or Secretary of the Treasury ( 1 ) In generalNothing in this chapter shall apply whenfinancial recordsobtained by an agency or department of the United States are disclosed or transferred to the Attorney General or the Secretary of the Treasury upon the certification by a supervisory level official of the transferring agency or department that ( A ) there is reason to believe that the records may be relevant to a violation of Federal criminal law ; and ( B ) the records were obtained in the exercise of the agencys or departments supervisory or regulatory functions.

( 2 ) Limitation on use Records so transferred shall be used only for criminal investigative or prosecutive purposes, for civil actions undersection 1833a of this title, or for forfeiture under sections [ 2 ] 981 or 982 of title 18 by theDepartment of Justiceand only for criminal investigative purposes relating to money laundering and other financial crimes by theDepartment of the Treasuryand shall, upon completion of the investigation or prosecution ( including any appeal ), be returned only to the transferring agency or department. No agency or department so transferring such records shall be deemed to have waived any privilege applicable to those records under law.

( Pub. L. 95630, title XI, 1112, Nov. 10, 1978,92 Stat. 3705 ; Pub. L. 97320, title IV, 432 ( a ), Oct. 15, 1982,96 Stat. 1527 ; Pub. L. 100690, title VI, 6186 ( b ), Nov. 18, 1988,102 Stat. 4357 ; Pub. L. 10173, title IX, 944, Aug. 9, 1989,103 Stat. 498 ; Pub. L. 102242, title IV, 411 ( 1 ), Dec. 19, 1991,105 Stat. 2375 ; Pub. L. 102550, title XV, 1516, title XVI, 1606 ( b ), Oct. 28, 1992,106 Stat. 4059, 4087 ; Pub. L. 106102, title II, 231 ( b ) ( 2 ), title VII, 727 ( b ) ( 2 ), Nov. 12, 1999,113 Stat. 1407, 1475 ; Pub. L. 10756, title III, 358 ( f ) ( 1 ), Oct. 26, 2001,115 Stat. 327 ; Pub. L. 109455, 10, 13, Dec. 22, 2006,120 Stat. 3381, 3382 ; Pub. L. 111203, title X, 1099 ( 2 ), July 21, 2010,124 Stat. 2105 ; Pub. L. 112203, 1, Dec. 4, 2012,126 Stat. 1484 Remove your company from my credit report thank you. 

XXXX 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