Consumer complaint received 2024-12-24 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: NC

Complaint narrative:
THIS DOESNT MAKE ANY SINCE ON TRYING TO GET THESE COLLECTIONS AGENCY TO UNDERSTAND THAT IF THEY ARE NOT THE ORIGINAL DEBTOR OR IF THEY CANT SHOW PROOF OF THEM BUYING THE DEBT WITH WET SIGNATURE THEN YOU CANT COME AFTER ANYONE FOR THE DEBT. THIS MY 3RD ATTEMPT TO HAVE THIS NEGATIVE INFORMATION REMOVED FROM CREDIT REPORT THE ORGINAL DEBTOR STATES I OWE NOTHING HOW CAN THIS CONTINUE LIKE THIS. BELOW PLEASE SEE EACH OF THE PREVIOUS FILED COMPLAINTS ON EACH COLLECTION AGENCYS : 2nd notice XXXX Reply ( # XXXX ) THEY KEEP REPLYING THAT THEY XXXX THE DEBT AND I KEEP ASKING FOR PROOF OF THE AGREEMENT OR CONTRACT WITH THE DEBITOR WET SIGNATURE AND THE PROOF OF I OWE WITH AN ORIGINAL CONTRACT WITH MY WET SIGNATURE BUT STILL HAVE NOT RECEIVED. XXXX original filed XXXX to XXXX XXXX XXXX XXXX XXXX XXXX STATED THEY BOUGHT THE DEBT ) BUT NO PROOF IN WRITTING OF THIS!! THEN THEY SOLED TO THIS COLLECTION AGENCY THUS MY XXXX COMPLAINT : XXXX filed but now with a different collection agency XXXX XXXXXXXX XXXX XXXX  NOW MY XXXX TIME FILING COMPLAINT WITH THIS COMPANY WHO STATED THEY BOUGHT FROM THE LAST COLLECTIONS AGENCY CALLED XXXX XXXX  BUT YET NO PROOF IN WRITTING OR AGREEMENT WITH WET SIGNATURE - XXXX sent XXXX notice to XXXX XXXX XXXX XXXX XXXX XXXX XXXX WILL NEED TO TAKE OTHER MATTERS AT THIS POINT, BEST THING TO DO IS TO REMOVE THIS NEGATIVE ITEMS THAT IS CAUSING ME HEALTH ISSUES AT THIS POINT AND THE PHONE CALLES AFTER I STATED DONT CALL SO NOW THEY CALL AND THEN HANG UP THIS IS HARRASMENTS AT THIS POINT AND I WILL GO AHEAD AND THE LAW ONCE AGAIN FOR YOU TO READ AND UNDERSTAND!!! Look this statue up and read and understand here is the break down what you are doing is illegal and if you keep reporting to my PERSONAL Credit Report im putting you on notice i will be sueing for XXXX a day so be ready to write me a check!!!!!! 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information U.S. Code ( a ) NOTICE REQUIREMENTS Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) OPT OUT ( 1 ) IN GENERALA 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.?????????????????????????????????????????? Here is the next statue for you to read and understand : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : simple did the collection agency and the credit bureaus at any point receive my permission, NO THEY DIDNT!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 15 U.S. Code 1681b - Permissible purposes of consumer reports U.S. Code ( a ) IN GENERALSubject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. ( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or Last but not least ... ... you knowing transferred, and without lawful authority took it upon yourself to sell my information and report to bureaus and the credit bureaus allowed you to commite aggravated identity theft by allowing you to post with permission ... its time to put these type of people in jail!!!!!!!!!!!!!!!!!!!!!!! 18 U.S. Code 1028A - Aggravated identity theft U.S. Code ( a ) OFFENSES. ( 1 ) IN GENERAL. Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. ( 2 ) TERRORISM OFFENSE. Whoever, during and in relation to any felony violation enumerated in section 2332b ( g ) ( 5 ) ( B ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person or a false identification document shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 5 years.

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