Consumer complaint received 2024-10-18 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: CA

Complaint narrative:
XXXX XXXX XXXX Notice to Agent is notice to Principal Notice to Principal is notice to Agent Email : XXXX C/o XXXX XXXX XXXX XXXX XXXX California. [ XXXX ] XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX Washington, XXXX XXXX Subject : XXXX REQUEST - Response to Formal Complaint and Cease and Desist Order Against XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian, and XXXX Dear Consumer Financial Protection Bureau XXXX I am writing in response to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX my complaint dated XX/XX/XXXX which was in response to my initial form complaint and issue a cease-and-desist order against XXXX HOLDINGS, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, for multiple violations of federal laws and regulations, as well as against XXXX, Experian, and XXXX for their roles in reporting inaccurate and unauthorized information. 

Please be advised that XXXX is attempting to collect on monies that are owed and are a dividend check of which I had brought XXXX attention in XXXX and was IGNORED. They have made a transaction with a infant and have abused their Fiduciary responsibility. XXXX has transacted with a minor/infant and has not acted in good faith. 

Furthermore, XXXX is continuing to unlawfully attempt to collect on a XXXX debt, which is considered a certificate of indebtedness by the Internal Revenue Service ( IRS ). According to IRS regulations, such XXXX debt can not be reported as income. XXXX has failed to provide me with a XXXX for the cancelled debt as required by law. This failure to comply with IRS reporting requirements and the misreporting of my account as a debt rather than a certificate of indebtedness are clear violations of federal statutes. 

In addition to these violations, XXXX has breached its own terms and conditions by sharing my information with non-affiliates without my explicit consent. This action disregards my right to privacy as a federally protected consumer under the Privacy Act of 1974 as well as 15 USC 6801-6805. 

Notwithstanding the above violations and the ones noted initially, the outrageous interest rate ( again misleading per 15 USC 1692 ( e ) ) to make it impossible to repay is a perfect example of XXXX XXXX or XXXX XXXX : XXXX form of coercion used by XXXX in both XXXX XXXX and XXXX XXXX is the imposition of a bond or debt. Some workers inherit debt ; for example, in XXXX XXXX it is estimated that there are millions of XXXX XXXX working to pay off their ancestors debts. Others fall victim to XXXX or recruiters who unlawfully exploit an initial debt assumed, wittingly or unwittingly, as a term of employment. XXXX labor agencies, recruiters, and employers in both the country of origin and the destination country can contribute to debt bondage by charging workers recruitment fees and exorbitant interest rates, making it difficult, if not impossible, to pay off the debt. Such circumstances may occur in the context of employment-based temporary work programs in which a workers legal status in the destination country is tied to the employer so workers fear seeking redress. 
Moreover, XXXX failed to inform me of my right to exercise my nondisclosure option, as mandated by XXXX XXXX XXXX XXXX ( b ) ( c ). This failure, coupled with the unauthorized inclusion of adverse information in my consumer report by XXXX, Experian, and XXXX, further demonstrates the systemic disregard for consumer rights and legal obligations. 

I hereby demand that XXXX immediately delete any and all adverse reporting to the account related to me from their records and cease all further reporting to XXXX, Experian, and XXXX. This cease-and-desist order is issued in accordance with federal laws and regulations governing consumer rights and privacy. 

I also request a thorough investigation into the actions of XXXX, XXXX, Experian, and XXXX regarding their handling of my account information and the inaccurate reporting of my financial status. This letter serves as my final attempt to resolve this matter amicably before pursuing further legal action, including filing complaints with the Securities and Exchange Commission. Additionally, there is no negotiating in XXXX deceptive practices among many violations and will continue until the remedy that is due is accomplished as it is my right to exercise. It is up to you to act in good faith and do what is right. XXXX XXXX : But XXXX stood up and said to the XXXX, XXXX, XXXX! Here and now I give half of my possessions to the poor, and if I have cheated anybody out of anything, I will pay back XXXX times the amount. 

Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX 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