Consumer complaint received 2024-07-25 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: NY

Complaint narrative:
XXXX XXXX XXXX In XXXX of : XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY [ XXXX ] EXPERIAN INFORMATION SOLUTIONS, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ATTN : LEGAL DEPARTMENT/CONSUMER AFFAIRS Exhibit A : Affidavit of Truth/ Cease and Desist To whom is may concern, I recently pulled a copy of my consumer report. I noticed there is data being reported to my consumer report generated on XX/XX/XXXX report # XXXX in error in accordance with the Privacy Act of 1974 and the Fair Credit Reporting Act. I want to be clear, this dispute IS NOT pertaining to verification and/or validation.

FACT, The Fair Credit Reporting Act section 603. Definitions ; rules of construction [ 15 U.S.C. 1681a ] ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this title.

( d ) Consumer Report ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for : ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 604 [ 1681b ].

( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 624, 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 ( g ) The term file, when used in connection with information on any consumer, means all of the information on that consumer recorded and retained by a consumer reporting agency regardless of how the information is stored.

FACT, The Fair Credit Reporting Acts states it is illegal to report transaction history on a consumer report, Section 603 ( d ) ( 2 ) and is also in violation of the Privacy Act of 1974. EXPERIAN INFORMATION SOLUTIONS , INC has continuously and recklessly made publicly false statements that EXPERIAN INFORMATION SOLUTIONS, INC, Inc has no first hand knowledge of, which is causing me to be criticized, dishonored and condemned. The defamation of my character is a violation of my privacy, and to share non-public, inaccurate information without my consent is severely ruining my reputation. 
FACT, ( XXXX XXXX XXXXXXXX ) may trigger a mandatory duty under IRS regulations to issue the alleged debtor a 1099-c. Creditors who benefit from this tax practice may render it inequitable to allow them to belatedly enforce the alleged debt after it has received the benefit of the charge off. ( See CACH , LLC v. Fatima,211, N.Y . Slip Op 51510 ( Dist. Ct. Nassau Co. ) As a result of the continuous reporting of inaccurate, non-public information without my expressed verbal or written consent ( FCRA sec 604 ( a ) ( 2 ) ) is a violation of FCRA sec. 605B ( a ), this is my official statement that all the listed accounts have been reported without my expressed written consent and must be removed from my consumer report. These accounts are not related to any transaction made by me, the consumer.

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 non-monetary relief