Consumer complaint received 2020-12-09 00:00:00
Product: Credit reporting, credit repair services, 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:
FOR THE RECORD : Pursuant to Federal Law 15 U.S Code 1692g Validation of Debts EXPERIAN the private organization must cease reporting of any alleged debt owed until verification of the alleged debt or a copy of a judgment or the name and address of the original creditor. I am XXXX XXXX a natural person in flesh, the consumer, demanding the name and address of the original creditor of any alleged debt owed. This alleged debt is assumed to be valid, which it is not valid per my rights pursuant to Federal Law. The continuance of the private organization EXPERIAN reporting the alleged debt on my alleged consumer report is a violation of my rights pursuant to Federal Law.The private organization EXPERIAN have failed to remove information that was affiliated with personal details that were challenged and removed in the past from reports. This is willful non compliance and violation of the FCRA, FDCPA and outright refusal to uphold the law. FOR THE RECORD : Pursuant to Federal Law 15 USC 1602 the term creditor refers only to a person, banks can not extend credit pursuant to Truth and Lending Act only a person. A creditor must incur something which means take liability. These acts on behalf of your company are unfair credit practices and or reporting that undermines the public trust. Banks are debt collectors. FOR THE RECORD : Pursuant to Federal Law 15 USC 1602 the term bureau refers to only the Bureau of Consumer Financial Protection. It is a willful noncompliance and violation of my federal rights of privacy as a consumer to share personal information to 3 rd party organizations such as XXXX, XXXX, and Experian without my written consent.I demanding that the items furnished to be removed under the CFPBs supervision. Once done- I am demanding a copy of my updated report reflecting the new changes. FOR THE RECORD : Pursuant to Federal 15 USC 1681i any and all inaccurate or unverifiable information must be promptly deleted from the consumer file. I have contacted your organization in reference to the inaccurate information and these organizations continue to violate my Federal Rights willfully. Pursuant to Federal Law 15 USC 1692 C, the private organization EXPERIAN must cease reporting, and infringement on my privacy in reference to the alleged debts owed that I am refusing to pay. This inaccurate reporting and collection is an inconvenience to me and my future as a consumer. Sharing my personal address with other organizations to furnish on a consumer report without my permission willfully is a violation. EXPERIAN has violated my rights pursuant to Federal Law by conspiring and communicating with a third party about an alleged debt owed. FOR THE RECORD : Pursuant to Federal Law USC 1681 A, a consumer report does not include any authorization or approval of an extension of credit or any communication among persons affiliated by corporate control. Any alleged debt owed that the private organization EXPERIAN is reporting on my alleged consumer report is a blatant violation of my rights pursuant to Federal Law. FOR THE RECORD : Pursuant to Federal Law 15 USC 1681 B My personal information is not to be furnished on any consumer report or with anyone without my written instruction. This is a willful violation of my Federal Rights as a consumer. I am demanding the private organization EXPERIAN to produce a contract between them and I. Financial institutions covered by the Gramm-Leach-Bliley Act must tell their customers about their information-sharing practices and explain to customers their right to " opt out '' if they don't want their information shared with certain third parties. The private organization EXPERIAN is in violation of Federal Law. FOR THE RECORD : Pursuant to Federal Law 15 USC 1681 ( n ) ( a ) I am invoking specified remedy as a consumer. I am demanding monetary relief of {$100000.00} for damages, defamation of character, violation of privacy, my rights as a consumer and the erroneous reports that hurt my credit worthiness as well as raised the cost of credit. I am demanding the alleged credit bureau EXPERIAN to produce a contract between them and I giving permissible purpose to furnish personal information. Pursuant to Federal Law USC 1681s-2 ( b ) provides a private remedy to injured consumers. Thus, a consumer can sue a company for furnishing inaccurate and/or incomplete information. In this case, the furnisher allegedly failed to take prompt and appropriate corrective action once it was notified that it had reported inaccurate information. I am also demanding any balance for any alleged debt owed reported on my alleged consumer report to be XXXX  out and report as paid in full. I am demanding to suppress all negative information and opt out of your consumer reporting services.

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