Consumer complaint received 2024-02-13 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: CA

Complaint narrative:
I received a copy of my consumer reports from the credit reporting agencies and these agencies and creditors are not doing what is required by congress and in the federal register. They are violating my rights and my right to privacy and I have never given them consent to any furnishing of my personal information. I have the Privacy act that is for me, the consumer and natural person. I am federally protected and these accounts are all PAID or PAID AS AGREED. I do not want them damaging my name and causing me a lifetime of mental agony. This is a violation of the FCRA and FDCPA, CCPA. I demand that the accounts be kept on my profile so I can get the things I am in need of. By these corporations taking it upon themselves to report and cause damage to me and my family is against the law as they do not have any authority to do but they without our knowledge assumed the role and they can not do that. 

These accounts are listed as charge offs and charge offs are a certificate of indebtedness and must be reported as income. XXXX is not to be reported on a consumer profile. These accounts have a nice length of history which i demand to stay on my reports. 

I see they violated me and reported a charge off but they NEVER sent me the XXXX. They are to prove that they had my permissible purpose and written consent to report this negative damaging and harmful to my life as a consumer. They have not sent me anything correcting their criminal activity. They send me letters that are not signed by a live person. I asked for the proof that they had my permission to report for every single month and i have asked for the proof that they sent me the XXXX. I have received nothing and they have sent threatening letters and they are not signed by a real person, they have not properly noted the accounts as I demanded. and according to the law. The reporting agencies said they got information from the creditor and they told them to report. That is illegal and not according to the FCRA and my privacy rights as a federally protected consumer. Privacy act of XXXX. 

These charge offs must be updated immediately as I am adding up the total damages they are causing me. I have had enough. I am the consumer, the natural person, and I am protected and I have the right to request anything and all records for the history of the account. While you get these accounts updated I am also in need of ALL the Records, Statements, disclosures, applications, contracts, and all the accounting ledgers for the history of the account. The date they received my social security number. I also need the statement of account and accounting ledger for both sides. 

ALL THESE CONSUMER CREDIT TRANSACTIONS I ENTERED INTO I WAS FOOLED AND DAMAGED. 

These companies reported Charge offs : Experian, XXXX, XXXX, XXXX XXXX ( they have XXXX accounts Violations X XXXX ) THEY CLOSED MY ACCOUNTS, WITHHOLDING MY SECURITIES AND I HAVE HAD MANY CREDIT CARDS WITH THEM AND AI HAVE ALSO BEEN DENIED A FEW TIMES BUT THEY HAVE BEEN PAID BECAUSE THEY HAVE MY SOCIAL SECURITY NUMBER AND SECURITY. 
XXXX XXXX XXXX ( I HAVE BEEN DENIED CREDIT AND THAT IS A VIOLATION AND AGAINST THE LAW ) THEY HAVE THE OTHER ACCOUNTS THAT THEY CLOSED WITHOUT CONSENT AND NOW CHARGE OFFS XXXX XXXX ( XXXX VEHICLES I HAVE PURCHASED AND I GOT DENIED FOR CREDIT CARDS AND FOR VEHICLES ) XXXX I HAVE HAD A FEW DENIALS FOR CREDIT CARDS, VEHICLES, BUT THEY GOT PAID. I HAVE HAD XXXX VEHICLES AND XXXX CREDIT CARDS. 

I NEED ALL THESE CORPORATIONS TO SEND ME ALL MY RECORDS FOR ALL ACCOUNTS WITH VEHICLES, CREDIT CARDS, LOANS, INCLUDING ALL PROCESSED DOCUMENTS, NOTES, ORIGINAL CONTRACTS, AGREEMENTS, APPLICATIONS, ALL CONSUMER DISCLOSURES THAT LAW REQUIRES THEM TO GIVE XXXX AS THE CONSUMER. I NEED ALL THE STATEMENTS, BILLS, SERVICES, LEDGERS FOR ALL CASH PAYMENTS AND OVERPAYMENTS, I HAVE ASKED FOR THE XXXX, I HAVE ASKED FOR THE RECORDS FOR ALL VEHICLES AND CREDIT CARDS THAT HAVE MY NAME AND SOCIAL SECURITY NUMBER ) I ALSO NEED ALL THE COPIES OF THE PROOF THEY SENT ME TO EXERCISE MY RIGHT TO OPT OUT. I NEED A LEDGER FOR THE MASTER ACCOUNT, BOTH XXXX ) I NEED PROOF THEY DISCLOSED TO ME THAT I AM GOING TO BE SIGNING A BLANK INDORSEMENT. THEY ALSO SAID THEY GAVE ME A LOAN, I NEVER RECEIVED THE CHECK FOR THE LOAN, CAN YOU MAKE SURE THEY SEND THAT TO ME AT MY LOCATION AS FOLLOWS : C/O XXXX XXXX XXXX XXXX XXXX XXXX CALIFORNIA 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