Consumer complaint received 2023-01-06 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: PA

Complaint narrative:
This is a response to the claim XXXX XXXXXXXX Experian, XXXX and XXXX has breached their fiduciary duty by disclosing negative information, not required by law, to disclose and operating in bad faith. I have never and would never consent to the disclosure of any negative information to any nonaffiliated third party. I was never provided an explanation of how this could negatively affect me or how I could opt out of the disclosure of my nonpublic personal information. Congress makes it clear that any contract or conspiracy that causes a restraint of trade and commerce is illegal. I was not provided adequate notice and I received no benefit for this transaction which constitutes unauthorized use of a credit card. The provision of the CFPB that prohibit unfair, deceptive, and abusive acts and practices in connection with the offering or provision of consumer financial products or services.Constructive Fraud has been committed on my consumer report, which violates the FCRA & FDCPA. Online Information Services is using extortionate means to collect on alleged debt, I do not owe that resulted from extension of credit which violates Title 18 USC 892-894 and constitutes racketeering activities and extortion This is a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C.1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required : * Purchase Agreement * Evidence that you are a licensed debt collector *Chain of Title *Proof that you are license debt collector to collect in my state. * A requested copy of your XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. THIS IS A REQUEST FOR ACCOUNTING : REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C 9-210.This authenticated record must include all tax filings ( including all 1099 's, 1096 's, and 1098 's ) any and all trades and/or investments and/or interests associated with this account of which I am alleged to be a party. I have a right to this information, as its directly associated with the reporting activities. Experian responded stating that XXXX XXXX is not reporting which it is just in a closed status which means they failed to comply with the FCRA under 15 USC 1681e ( b ) ensuring maximum possible accuracy when preparing my consumer report causing damage to my financial reputation because XXXX XXXX was reporting under the Name Department of Education which they now have transferred my nonpublic Information the their parent company XXXX who is now committing the same violations. Failure to substantiate the claim, please settle the account immediately and cease and desist all communication and have these trade lines deleted from my consumer report.

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