Consumer complaint received 2024-03-26 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:
XXXX XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX RE : I DO NOT AUTHORIZE you to retain no report any not proven true correct valid and required reported personal identifier information that is not in exact agreement with my submitted FACTUALLY CORRECT CURRENT PERSONAL IDENTIFIERS as indicated above! To Whom It May Concern : XXXX account # XXXX. Being the FACT, I DEMAND a document of CERTIFIED COMPLIANCE displaying undoubted PROOF of all CLAIMS ( s ) PHYSICALLY VERFIFABLE TRUTH, CORRECTNESS, TIMELINESS, COMPLETENESS, OWNERSHIP OF RESPONSIBILITY, and VALIDITY including ANY STANDARD necessary be it mentioned or NOT! COMPLIANT REPORTING of VALIDATION INFORMATION is NOT OPTIONAL, it IS THE REQUIREMENT. Any claim of negativity NOT meeting this STRICT STANDARD I here now CONTEST its REPORTABILITY and CHALLENGE all involved in its reporting to DEMONSTRATE PHYSICAL PROOF of FACTS and COMPLIANT REPORTING else ERADICATE any and all aspect of claimed delinquency ( ies ) and or derogatoriness ( es ) reporting and inadequately alleged. According 15 U.S. Code 1681q - Obtaining Information under false pretenses Any person who knowingly and willfully obtains information a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. I have paid the account in FULL to XXXX account # XXXX and have no obligation debt status. As this has been an ongoing investigation, I have contacted the original creditor and has failed to respond back and verify this item. According to 15 U.S. Code 6802 Obligations with respect to disclosure personal information states that A financial institution many not disclose nonpublic personal information to a nonaffiliated third party unless- such financial institution clearly conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; I was never advised and missed the opportunity, that should have been given to me and such information was initially disclosed without my consent to be disclosed to such third party ; therefore, violated my rights and violated the law 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. This account has been paid off in FULL and I demand statements of proof to send me a copy of payment paid in full. Remove all collections FALSE states from XXXX account ending in # XXXX. Any reported Personal Identifier Information NOT EXACTLY as above detailed I do NOT certify adequately true, correct, timely, complete, verifiably valid nor else wise certifiably compliant in its adequate lawful requisite reporting process ( es ) and or with in the precise and complete adherence to the mandatory format reporting standard, namely, Metro 2 Compliant reporting! Any such currently reported personal Identifier information is contested and any associated delinquency event ( s ) and or derogatoriness ( es ) equally NOT ASSUMED FACTUALLY VALID and CERTIFIED COMPLIANT in its reporting nor format of reporting so eradicate any such deficient claim, true or not.

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