Consumer complaint received 2025-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
IMMEDIATE ACTION REQUIRED : EXTREME VIOLATIONS OF FCRA AND XXXX - DEMAND FOR IMMEDIATE DELETION AND LEGAL ACTION 15 USC 1681 et seq. 
As congress does not back the reporting of my personal/non public information. 

This is NOT a request. This is a DEMAND for immediate action regarding egregious violations of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ), as codified in 15 USC 1681 et seq. My previous communication regarding the unlawful reporting of my personal, non-public information has been ignored, demonstrating a blatant disregard for federal law. The allotted time for dispute resolution has long since expired, and I have yet to receive ANY of the following : Proof of purported " Congressional findings '' justifying the reporting of my information. This is a critical point. I have received no evidence whatsoever to support this claim, which I believe to be fabricated. 
Confirmation that creditors were properly informed of my dispute. This failure constitutes a further violation of the FCRA, designed to protect consumers from inaccurate and disputed information. 
Let me be unequivocally clear : the unauthorized use of my information by creditors, third-party debt collectors, Experian, XXXX, and XXXX constitutes a clear violation of my rights. The use of my data as a separate transaction between second and third-party entities for profit is not only unacceptable but constitutes identity theft and, if this practice continues, will provide grounds for accusations of securities fraud. This practice directly contravenes the protections afforded by 15 USC 1681 et seq. and related statutes. 

As a federally protected consumer under the FCRA, I am now formally opting out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, that I, the consumer, may have purportedly given you, pursuant to 15 USC 6802. This is a DEMAND for IMMEDIATE REMOVAL of my information.

Furthermore, I remind you that 16 CFR XXXX applies in full, given that any relevant contract was written after 1969. This, coupled with the provisions of TILA and established contract law, solidifies the illegality of your actions. As previously stated, XXXX CFR XXXX applies due to TILA and contract laws on contracts, especially if the contract is written after 1969. 

Your failure to provide the requested proof and properly inform creditors within the legally mandated timeframe constitutes a clear violation of my rights under the FCRA. This negligence will not be tolerated. I expect IMMEDIATE action to rectify this situation. Failure to comply will leave me no choice but to pursue all available legal remedies to the fullest extent of the law, including but not limited to : Pursuing legal action for damages related to these violations. 
All final documents have been attached presently and previously.

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