Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing yet again to the CFPB as there are numerous inaccuracies on my XXXX, Experian and XXXX credit reports. These agencies have never had written permission from me to furnish a credit report on me, and when I ask for validation and verification of the items I know are inaccurate, I do not receive the the information these agencies are required by law to provide to me, perhaps because they never received my written permission to report anything. As these agencies, the banks who report to them and the CFPB are all under the same parent corporation unbeknownst to most consumers, my rights as a consumer that are protected by Federal laws that these agencies must adhere to are continually violated in favor of these agencies ' ongoing collusion and racketeering at my and many other consumers ' expense.

15 US Code 1681 ( d ) 2, ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; I require the immediate removal of the accounts furnished by XXXX XXXX and XXXX  XXXX XXXX on all three of my credit reports as despite my many many complaints that neither the agencies nor these banks had my written permission to furnish any information about me to anyone else ( violation of privacy ), the consumer reporting agencies XXXX, XXXX and Experian are owned by these very banks! Furthermore, the information reported is totally and completely inaccurate and XXXX XXXX XXXXXXXX and XXXX XXXX  are fully aware that these accounts were discharged in full, on time and as agreed in the same specie of money/currency as they exchanged with the Federal Reserve Bank on my behalf. Where are my original promissory notes that they clam to have 'charged off '? They can not provide them as they were exchanged dollar for dollar, therefore as I also discharged the debt AND they exchanged my note for at least XXXX to XXXX x the amount of my promissory note, they have gained considerably and their 'charge off " is fraudulent. Also, I have not received a 1099-C from either of these banks as required by the IRS and as this is income to me if their claim is supposedly accurate from their continued reporting of it, this is income to me and not reportable on any consumer credit report ( IRS 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