Consumer complaint received 2024-09-12 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And any derivative of each of these companies mentioned are committing crimes against me and in violation of furnishing my personal information without my consent. Please provide me within 5 days, the letter that I sent to you with my wet ink signature giving you consent to furnish my information to any credit bureau. If you do not provide me with a letter that I sent you with my signature agreeing to give you my consent to furnish my information, I demand XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to immediately delete all illegally furnished information and do not furnish it ever again. 

Furthermore, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and any derivative of each of these companies mentioned are revoked forever from using my copyrighted name XXXX XXXX XXXX XXXX XXXX XXXX XXXX and any derivatives thereof and hereby Prohibited from furnishing any of my information at all, unless I write you a letter given you consent with my wet ink signature. 

Violations and laws that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are freely and openly currently breaking below. 

15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' This is according to the Fair Credit Reporting Act ( FCRA ) XXXX and Experian are consumer reporting agencies and I am the Consumer. My rights allow me to make sure my private information isn't shared which is backed by : 15 USC 6801 clearly stating, It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates.

15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title.

15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in
an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 

Notice to XXXX XXXX There are 7 different violations, just to name a few. You are liable of dispensing a check on the amount of {$7000.00} in the name of XXXX XXXX to address on file or wire deposit. Only in this limited use instruction are you given consent to use my name only for the purpose of sending said one time payment. In no other way are you to use my name. Limited use expires after acknowledgement of this letter and/or dispersement of funds mentioned herein. 

Notice to XXXX XXXX There are 7 different violations, just to name a few. You are liable of dispensing a check on the amount of {$7000.00} in the name of XXXX XXXX to address on file or wire deposit. Only in this limited use instruction are you given consent to use my name only for the purpose of sending said one time payment. In no other way are you to use my name. Limited use expires after acknowledgement of this letter and/or dispersement of funds mentioned herein. 


Notice to XXXX XXXX XXXX There are 7 different violations, just to name a few. You are liable of dispensing a check on the amount of {$7000.00} in the name of XXXX XXXX to address on file or wire deposit. Only in this limited use instruction are you given consent to use my name only for the purpose of sending said one time payment. In no other way are you to use my name. Limited use expires after acknowledgement of this letter and/or dispersement of funds mentioned herein. 

Notice to XXXX XXXXXXXX XXXX XXXX There are 7 different violations, just to name a few. You are liable of dispensing a check on the amount of {$7000.00} in the name of XXXX XXXX to address on file or wire deposit. Only in this limited use instruction are you given consent to use my name only for the purpose of sending said one time payment. In no other way are you to use my name. Limited use expires after acknowledgement of this letter and/or dispersement of funds mentioned herein. 

Notice to XXXX There are 7 different violations, just to name a few. You are liable of dispensing a check on the amount of {$7000.00} in the name of XXXX XXXX to address on file or wire deposit. Only in this limited use instruction are you given consent to use my name only for the purpose of sending said one time payment. In no other way are you to use my name. Limited use expires after acknowledgement of this letter and/or dispersement of funds mentioned herein. 

Notice to XXXX There are 7 different violations, just to name a few. You are liable of dispensing a check on the amount of {$7000.00} in the name of XXXX XXXX to address on file or wire deposit. Only in this limited use instruction are you given consent to use my name only for the purpose of sending said one time payment. In no other way are you to use my name. Limited use expires after acknowledgement of this letter and/or dispersement of funds mentioned herein. 

Notice to EXPERIAN There are 7 different violations, just to name a few. You are liable of dispensing a check on the amount of {$7000.00} in the name of XXXX XXXX to address on file or wire deposit. Only in this limited use instruction are you given consent to use my name only for the purpose of sending said one time payment. In no other way are you to use my name. Limited use expires after acknowledgement of this letter and/or dispersement of funds mentioned herein.

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