Consumer complaint received 2024-06-06 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: NJ

Complaint narrative:
I the consumer come to find several violations that are Civil Liabilities for willful noncompliance 15 USC 1681n ( a ) are entitled to {$1000.00} per violation.Per FCRA as a federally protected consumer I am now opting out any and all authorization per 15 USC 6802. I have a right to Privacy and per the privacy act of 1974. I am now revoking any and all authorization, i the consumer may have given written, non written, verbal, non verbal per % USC 552a. All inquiries are fraud per 15 USC 1681c-2 Block of information resulting from Identity Theft .Block the reporting of any information in the file of a consumer that the consumer identities as information that resulted from an alleged identity theft no later than business days after the date of the receipt by such agency. I have provided my Drivers License that list my current address, shows that the accounts related to identity theft are not attached to my Drivers License address, attached my Identity Theft report.15 U.S. Code 1681n Civil liability for willful noncompliance any person who willfully fails to comply with any requirement imposed under this sub chapter with respect to any consumer is liable to that consumer. I have had to dispute these accounts multiple times filing complaints. 15 U.S. Code 1681b Permissible purpose of consumer reports. XXXX XXXX acct # XXXX has a 1 30 day late payment. 15 U.S. Code 1681c Requirements relating to information contained in consumer reports. Any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. No adverse item besides the conviction of crimes should be on your report any item that is a derogatory mark is not allowed into consumer reports this is a violation.12 CFR 1022.3 Identity Theft. These accounts were added to my report without my consent. XXXX XXXX  opened XX/XX/XXXX {$230.00}, XXXX XXXX XXXX opened XX/XX/XXXX {$2500.00}, and XXXX XXXX XXXX opened XX/XX/XXXX {$470.00}. These accounts are considered Certificate of indebtedness, which is considered income. Legally income can not be reported. Per 31 U.S. Code 3104 - Certificates of indebtedness and Treasury bills These accounts have been paid in full, and this is a violation and illegal reporting.They have been discharged and paid in full by the original creditor of each company. I have the 1099c for proof of cancellation of debt. 15 U.S. Code 1681 Congressional findings and statement of purpose ( A ) ( i ) containing information solely as to transactions or experiences between the consumer and the person is against the law. 15 U.S. Code shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information inaccurate. 15 U.S. Code 1681e, Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishings of consumer reports to the purpose listed under section 1681 b. XXXX XXXX, Experian, are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time.

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