Consumer complaint received 2024-05-16 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:
I, XXXX XXXX XXXX XXXX, assert myself as the implied surety for taxpayer XXXX XXXX XXXX XXXX Estate/trust. I stand as the private originator of all value, whether commercial or otherwise, that has ever accrued or could ever descend to the public XXXX XXXX XXXX XXXX XXXX person and any derivative entities thereof. 

I want to make it unequivocally clear that I do not recognize your company, nor have I ever engaged in any business dealings with you. Moreover, I have never consented to the sharing or selling of my private personal financial information. 

My assertion is backed by thorough research into relevant legal precedents and cases regarding consumer consent in information reporting to credit bureaus. One such crucial case is XXXX XXXX XXXX XXXX XXXX, adjudicated by the United States Court of Appeals for the XXXX XXXX in XXXX. The court 's ruling underscored that for a creditor to invoke a consumer 's consent, it must be fully informed and voluntary. Mere inclusion of a consent provision in a contract does not automatically infer informed and voluntary consent. The onus lies on the financial institution to demonstrate explicit consent from the consumer, indicative of their comprehension and agreement to have their information reported to credit reporting agencies. 

I have meticulously compiled evidence indicating that the companies listed in my FTC identity theft report have obtained my information through acts of identity theft and power of attorney fraud. I reiterate, I have had no dealings whatsoever with these companies, nor have I received any goods or services from them. This demand to block and expunge fraudulent information is not made in error or based on misrepresentation. 

I am well aware that no valid, directly verified contracts exist between myself and any other party via wet ink signature. I also understand that any attempts to collect a debt are merely alleged indirect actions. It is an undeniable fact that all purported contracts are entirely fraudulent, and any endeavor to enforce such fraudulent contracts is unlawful due to their inception through the illegal activities of identity theft and power of attorney fraud. 

Therefore, I demand an immediate cessation of the dissemination of fraudulent bills to my person. 

Your credit file contains addresses I have never lived in. and are a result of identity theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Apartment complex XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX CA XXXX XXXX Single XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Multifamily XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Multifamily XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Single family XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Multifamily XXXX XXXX XXXX XXXXXX/XX/XXXX CA XXXX XXXX Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX family XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Single family XXXX your credit file also contains multiple variations of my social which are wrong! 

XXXX XXXX which is a huge indication that accounts were acquired fraudulently. 

the correct last 4 digits are XXXX. 

you have multiple variations of my name which are similar to my name but NOT ME, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Let the record show that my proper name pursuant to Title 18 U.S. Code 1342 is XXXX XXXX XXXX XXXX, and any variation is an attempt to commit Mail Fraud, Identity Theft and power of attorney fraud. 

I have also never worked at the following employers. 

XXXX XXXX EMPLOYED XXXX XXXX I must demand all this inaccurate information along with the fraudulent accounts be removed

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