Consumer complaint received 2024-06-30 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: TX

Complaint narrative:
EXPERIAN has claimed to have VERIFIED disputed account but provided no evidence of verification according to law. The law clearly define VERIFICATION AS A SWORN STATEMENT, AFFIDAVIT OR DECLARATION UNDER OATH. EXPERIAN is acting as owner of i the consumer and my consumer report and I have never authorized or granted any such power. If i did then I must revoke and rescind. I demand this XXXX XXXX account be block and deleted immediately from my consumer report.This is a XXXX  demand for XXXX XXXX  cease and desist all communications and deletions of sharing, transferring, assigning and reporting my private and personal information. I recently learned of my right to opt out under federal and state laws and I have chosen to exercise that right. XXXX XXXX  failed to show any evidence or notify my of such rights FOR THE CONSUMER OR BORROWER TO OPT OUT OF sharing information with XXXX party consumer reporting agencies. I recently filed dispute of my concerned interest in my personal and private account information being shared by XXXX XXXX  and its parents or successors and demand for the safety of possible identity theft, fraud, or other breaches and extortion risk that I exercise my right to privacy and opt out of XXXX XXXX sharing my private and personal account transactions, experiences, history and record with any consumer reporting agencies. EXPERIAN IS TEAMING WITH XXXX XXXX in attempting to create distress, misinformation, abusive debt collections, misrepresentation of character, financial injury and risk exposure of discrimination and identity theft of private information. I demanded unless XXXX XXXX can warrant or guarantee the safety of my information to which can show I burden no risk from their activities then they are to cease and desist all sharing and reporting of my information to XXXX parties, non-affiliates and consumer reporting agencies or in other words NON GOVERNMENT AGENCIES. I ask that the CFPB enforce actions against EXPERIAN AND XXXX XXXX on handling my private accounts. FCRA 15 U.S. Code 1681b ( a ) 2 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. PLEASE PROCESS OPT OUT OF SELLING AND SHARING PERSONAL INFORMATION & DELETE PERSONAL INFORMATION. DELETE FROM PERSONAL CONSUMER CREDIT REPORT IMMEDIATELY. 15 U.S. Code 1692c ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. If such notice from the consumer is made by mail, notification shall be complete upon receipt. 15 U.S. Code 1692a - Definitions ( 2 ) The term communication means the conveying of information regarding a debt directly or indirectly to any person through any XXXX. 15 U.S. Code 1681a - Definitions ; rules of construction ( 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 ;

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