Consumer complaint received 2025-01-30 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( FCRA ) CLEARLY explains that both TRANSACTIONS and EXPERIENCES between the consumer and the person making the report are to be EXCLUDED or NOT INCLUDED on a consumer report. I am the consumer and a person is defined as the following under the FCRA : ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
This term person includes both your agency and any entity thats reported as the furnisher of the information that appears on my consumer report. Essentially, ALL the items I am disputing fall under this category of what is to be EXCLUDED from my consumer report. 
PERSONAL INFORMATION DISPUTE : I am demanding that your agency correct these personal items of information, and remove the incorrect items of information. 
1. My FULL NAME is listed above, Please remove all other name variations IMMEDIATELY. They are not accurate!

2. My current address is listed above, Please remove all other addresses IMMEDIATELY. They are not accurate!

3. My social security number is listed above, please remove the inaccurate social security number variation ( s ) IMMEDIATELY. It is not Accurate!

4. My Date of Birth is listed above, please remove all other Date of Birth ( s ) IMMEDIATELY. It is not Accurate!

INACCURATE INFORMATION DISPUTE : The items I am disputing are as follows : Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX Creditor : XXXX XXXX XXXX I Account Number : XXXX Reason : This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE this item from my consumer report!

Additionally, your agency has violated my consumer rights and violated federal law under the permissible purposes section ; theres proof in 15 USC 1681b ( 2 ) of the Fair Credit Reporting Act, which is noted below : 15 USC 1681b ( 2 ) - permissible purposes of consumer reports, the law clearly states : ( a ) IN GENERAL 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.

I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court.

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