Consumer complaint received 2025-01-18 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: FL

Complaint narrative:
**15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) Subject to section ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

**18 U.S. 1028- Fraud and related activity in connection with identification documents, authentication features, and information ( a ) Whoever, in a circumstances described in subsection ( c ) of this section- ( 7 ) knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person with the intent to commit, or to aid or abet, or in connection with, any unlawful activity that constitutes a felony under any applicable State or local law ; Shall be punished as provided in subsection ( b ) of this section ( b ) The punishment for an offense under subsection ( a ) of this section is- ( 1 ) ( D ) an offense under paragraph ( 7 ) of such subsection that involves the transfer, possession, or use of 1 or more means of identification if, as a result of the offense obtains anything of value aggregating {$1000.00} or more during any 1-year period ; **12 CFR. 1022.3 ( h ) - Identity theft means a fraud committed or attempted using the identifying information of another person without authority Notice to all, I am presenting myself as a federally protected consumer and to my understanding you have assumed a vital role in assembling and evaluating consumer credit. I also understand that you have been developed to uphold a consumers credit worthiness, credit standing, credit capacity, character and most of all the REPUTATION of consumers. While looking at my consumer reports, I noticed accounts that were listed without my permission and written instruction. This is a violation of federal law pursuant to 15 USC 1681b. I want these accounts deleted immediately. 
The accounts are listed below : XXXX Account # XXXX This company transferred my nonpublic personal information without lawful authority and failed to give an explanation on how to opt out of disclosure, nor the opportunity to do so according to 15 US Case 6802b, According to 15 US Code 1681b ( 2 ), this company must receive written instructions from me, the consumer, to furnish items. I DID NOT WRITE ANYTHING TO THIS COMPANY TO ALLOW THIS. This company is violating my rights, which is illegal. Cease and Desist all communication : communication through any medium according to 15 USC 1692a ( 2 ) so now Block and Delete. 

To be Blocked and Removed XXXX Account # XXXX This company transferred my nonpublic personal information without lawful authority and failed to give an explanation on how to opt out of disclosure, nor the opportunity to do so according to 15 US Case 6802b, According to 15 US Code 1681b ( 2 ), this company must receive written instructions from me, the consumer, to furnish items. I DID NOT WRITE ANYTHING TO THIS COMPANY TO ALLOW THIS. This company is violating my rights, which is illegal. Cease and Desist all communication : communication through any medium according to 15 USC 1692a ( 2 ) so now Block and Delete. 


To be Blocked and Removed XXXX  Account # XXXX This company transferred my nonpublic personal information without lawful authority and failed to give an explanation on how to opt out of disclosure, nor the opportunity to do so according to 15 US Case 6802b, According to 15 US Code 1681b ( 2 ), this company must receive written instructions from me, the consumer, to furnish items. I DID NOT WRITE ANYTHING TO THIS COMPANY TO ALLOW THIS. This company is violating my rights, which is illegal. Cease and Desist all communication : communication through any medium according to 15 USC 1692a ( 2 ) so now Block and Delete. 

To be Blocked and Removed XXXX  Account # XXXX This company transferred my nonpublic personal information without lawful authority and failed to give an explanation on how to opt out of disclosure, nor the opportunity to do so according to 15 US Case 6802b, According to 15 US Code 1681b ( 2 ), this company must receive written instructions from me, the consumer, to furnish items. I DID NOT WRITE ANYTHING TO THIS COMPANY TO ALLOW THIS. This company is violating my rights, which is illegal. Cease and Desist all communication : communication through any medium according to 15 USC 1692a ( 2 ) so now Block and Delete. 

To be Blocked and Removed XXXX XXXX Account # XXXX This company transferred my nonpublic personal information without lawful authority and failed to give an explanation on how to opt out of disclosure, nor the opportunity to do so according to 15 US Case 6802b, According to 15 US Code 1681b ( 2 ), this company must receive written instructions from me, the consumer, to furnish items. I DID NOT WRITE ANYTHING TO THIS COMPANY TO ALLOW THIS. This company is violating my rights, which is illegal. Cease and Desist all communication : communication through any medium according to 15 USC 1692a ( 2 ) so now Block and Delete. 

To be Blocked and Removed XXXX XXXX XXXX Account # XXXX I have no legal contract with this company, nor given them any written consent to furnish this item on my credit report. According to 15 US Code 1681b ( 2 ), this company must receive written instructions from me, the consumer, to furnish items. This company is violating my rights which is illegal. Cease and Desist all communication : communication through any medium according to 15 USC 1692a ( 2 ) so now Block and Delete. 

To be Blocked and Removed XXXX XXXX XXXX Account # XXXX I have no legal contract with this company, nor given them any written consent to furnish this item on my credit report. According to 15 US Code 1681b ( 2 ), this company must receive written instructions from me, the consumer, to furnish items. This company is violating my rights which is illegal. Cease and Desist all communication : communication through any medium according to 15 USC 1692a ( 2 ) so now Block and Delete. 

Also, a credit report that reflect updated changes should be sent. You have 4 days to respond pursuant to 12 CFR 1022.3 ( i ) ( 1 ) ( iii ) ( A ). Please look into this matter imminently before you are held civilly and criminally liable pursuant to federal law.

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