Consumer complaint received 2025-03-17 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:
CFPB Consumer Complaint Submission Subject : Willful Misrepresentation, Unlawful Reporting, Violation of Privacy, and Lack of Lawful Consideration Complainant : As a Private American, held in trust under the Full Faith and Credit of the United States, formally submit this Notice of Injury regarding unlawful credit reporting by DELINQUENT AND DEFAULT Alerts, through XXXX XXXX XXXX, and the US DEPARTMENT OF EDUCATION. These entities continue to furnish inaccurate, misleading, and injurious information by reporting late payment alerts.

The recent data breach affecting credit bureaus, rendering all reported data compromised, unreliable, and subject to manipulation.

The unlawful administration of a trust name without consent of full disclosure Notice of Injury & Breach of Consumer Protection Rights 1. Violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) Under 15 U.S.C. 1681s-2 ( b ), furnishers of credit information are required to verify accuracy and remove unverifiable or erroneous information.

The data breach affecting the credit bureaus further invalidates assumed accuracy, as personal data has been compromised, accessed, and altered without verifiable consumer authorization.

The continued furnishing of late payment alerts is a clear violation of my right to privacy and consumer protection laws.

3. Unlawful Assumption of Consent & Administration of a Trust Name No consent ; verbal, non-verbal, implied, expressed, written, or unwritten has been given for these entities or credit reporting agencies to furnish, maintain, or process late payment alerts, delinquencies or any adverse information.

If consent is being assumed, let this serve as a formal, written revocation and for the delinquent notices to be removed immediately.

These entities are attempting to administer a name held in trust without expressed fiduciary authority, which constitutes misrepresentation and injury.

4. Breach of Duty, Privacy Violations & Willful Misrepresentation The recent data breach has compromised the legitimacy of all reported accounts, making any adverse reporting a direct violation of the Privacy Act and public law.

The Fair and Accurate Credit Transactions Act ( FACTA ) also mandates creditors to protect consumer data, which has not been upheld.

The continued reporting of late payments despite no verified proof of lawful obligation constitutes an act of unjust enrichment, fraud, and financial injury.

Remedy Sought 1. Immediate update of these accounts to remove all late payment alerts and negative reporting.

The data breach invalidates the reliability of reporting.

The lack of verified contractual obligation nullifies any enforceable claim.

All reporting of late payments is unlawful and must be removed immediately.

3. Cease & Desist from Further Reporting : Any continued reporting of late payments without verifiable proof will be deemed an intentional act of fraud, financial injury, and defamation.

Further noncompliance will trigger escalation to the Attorney General, CFPB enforcement division, and Federal Trade Commission for damages.

Final Notice of Opt-Out & Revocation of Consent If consent is being assumed, let this serve as a formal, written opt-out and revocation of all assumed consent regarding the reporting, maintaining, or processing of late payment alerts or any other adverse reporting associated with this account.

This matter must be corrected immediately, or it will be considered willful noncompliance, subject to legal remedy, administrative enforcement, and damages claims under 15 U.S.C. 1681, the Privacy Act, and all applicable consumer protection laws.

Sincerely, Without Prejudice ( UCC 1-308 ) All Rights Reserved

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