Consumer complaint received 2024-10-28 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Notice to agent is notice to principal, notice to principal is notice to agent. 

I HAVE MADE SEVERAL ATTEMPTS TO GET THESE MATTERS RESOLVED. THE CFPB, THE REPORTING AGENCIES, NOR THE CREDITORS HAVE FAIRLY CONSIDERED MY COMPLAINT. I ONLY RECEIVE GENERIC RESPONSES THAT DO NOT PERTAIN TO MY SPECIFIC SITUATION. I HAVE REQUESTED TO OPT OUT OF REPORTING SEVERAL TIMES UNDER 15 USC 6802B, ANDMY REQUEST HAS NOT BEEN HONORED. I HAVE SENT FTC REPORTS, THEY HAVE NOT BEEN UPHELD. THE CONSTANT FAILURE TO REMOVE AND PERMANENTLY DELETE THESE ITEMS SHOW THAT THIS IS NOT A FAIR AND JUST SYSTEM AND DOES NOT FOLLOW LAWS CONSTITUTED BY FEDERAL COURT. I AM AFRAID THIS IS MY LAST ATTEMPT BEFORE NOTIFYING THE UNITED STATES ATTORNEY GENERAL OF THIS UNFAIR AND DISCREMATORY TREATMENT, AS WELL AS FILING CHARGES FOR THE AFORMENTIONED IDENTITY THEFT PERFORMED ON BEHALF OF THE LISTED PARTIES, NOT EXCLUDING XXXX, XXXX, AND EXPERIAN. THIS HAS CAUSED ME A GREAT DEAL OF EMOTIONAL STRESS, XXXX, AS WELL AS XXXX XXXX 

XXXX EVEN AGREED TO REMOVE ONE ACCOUNT BUT DID NOT REMOVE THE OTHER. BOTH ACCOUNTS WERE OPENED AROUND THE SAME TIME. WHY REMOVE ONE AND NOT THE OTHER? I HAVE STATED NEITHER BELONGED TO ME.

Upon my review of my consumer report it has come to my attention that you are reporting accounts to my Consumer report that I did not give you or any creditor any express permission or permissible purpose to report. 15 USC 168162 As a consumer I have the right to privacy pursuant 15 USC 1681, 15 USC 1692, 15 USC 6801.

My private information is my business, you have reported my private information without my consent. Your actions amount to aggravated identity theft.

18 USC 1028A.

As a consumer you have an obligation to protect my personal non public information.

15 U.S. Code 6801 - Protection of nonpublic personal information 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.

My Confidential and private information is being reported to nonaffiliated third party without my permission or without receiving the proper disclosures.

Pursuant 15 USC 6802 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writfig 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 ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

I am requesting all my disclosures pursuant 15 USC 6802 B that should have been conspicuously disclosed to me before reporting of my non-public personal information to nonaffiliated third parties ( Experian, XXXX, XXXX ). 

I am exercising my right to opt out of having my information reported pursuant 15 USC 6802B.

Your action has caused me and my family severe mental anguish, defamation of character.

My identity has been stolen, these companies have violated my consumer rights, my right to privacy and the obligation you have to maintain the security and confidentiality of my private information.

18 U.S. Code 1028A - Aggravated identity theft OFFENSES.- ( 1 ) IN GENERAL.- Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.

Furthermore, you have no lawful authority or permissible purpose to put any account my consumer reports.

15 U.S. Code 1681n - Civil liability for willful noncompliance 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- ( 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 ; You have 4 calendar days from the receipt of this notice to delete these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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