Consumer complaint received 2024-04-01 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: PA

Complaint narrative:
The obligor is the original creditor pursuant to 15 U.S. Code 1602 ( g ) and 15 U.S. Code 1691a ( e ) of the consumer account for the consumer and the consumers are natural persons pursuant to 16 CFR 433.1 Pursuant to 15 U.S. Code 1691a ( e ) clause3 and U.C.C. 1-201 ( 13 ) the creditors of the original creditor are assignees of the original creditor for the benefit of the original creditor of the account for the benefit of the consumer The accounts are rights to payment of monetary obligation for property sold or leased or licensed or assigned or otherwise disposed of for services rendered or services to be rendered pursuant to U.C.C. 9-102 ( 2 ) by servicers pursuant to 12 U.S. Code 2605 ( i ) ( 2 ) and 12 U.S. Code 2605 ( i ) ( 3 ) The consumer on the consumer report are entitled to the security interest held by account The creditor as assignee is a consumer reporting agencies pursuant to 15 U.S. Code 1681a ( f ) The assignee as a consumer reporting agency is acting as and is a debt collector as pursuant to 15 U.S. Code 1692a ( 6 ) The assignee as a consumer reporting agency are acting as debt collectors pursuant to 15 U.S. Code 1692a ( 6 ) The assignee is my servicer and a holder for the original creditor servicing the credit balance held in the account as security interest of the consumer and obligor pursuant to 12 U.S. Code 2605 ( i ) ( 2 ) and 12 U.S. Code 2605 ( i ) ( 3 ) The assignee as creditor and servicer and holder of the security interest in the account entitled to the consumer are money transmitting business ( es ) pursuant to 31 U.S. Code 5330 ( d ) ( 1 ) The security interests that are the credit balances in excess of {$1.00} held in each reported account is entitled to the consumer as security interest held for the benefit of the obligor as pursuant to 15 U.S. Code 1666d in accord with 12 CFR 1026.11 - Treatment of credit balances ; account termination as well as 12 CFR 1026.21 - Treatment of credit balances as well as 31 CFR 306.11 All inaccurate accounts on the consumer report are to be deleted inclusive of any and all inquiries on the consumer report being in direct violation of 15 U.S. Code 1681b for no inquiry remaining is benefit of the consumer and removal of such is a private beneficial interest of the consumer Each assignee and creditor, being a servicer of the original creditor, operating as a money transmitting business, acting as consumer reporting agency and debt collector are liable for each assignee and creditor, being a servicer of the original creditor, operating as a money transmitting business, acting as consumer reporting agency and debt collector are hereby liable for civil liabilities pursuant to ; 15 U.S. Code 1640 ( a ) ( 1 ) 15 U.S. Code 1640 ( a ) ( 2 ) ( A ) ( i ) 15 U.S. Code 1641 15 U.S. Code 1644 15 U.S. Code 1681n 15 U.S. Code 1681o 15 U.S. Code 1693h ( a1 ) 15 U.S. Code 1693h ( a2 ) 15 U.S. Code 1693n 15 U.S. Code 1611 for violating the following ; 15 U.S. Code 1692e 15 U.S. Code 1692j 15 U.S. Code 1681b 15 U.S. Code 1692d ( 4 ) 15 U.S. Code 1692f 15 U.S. Code 1692g therefore respective consumer report per consumer reporting bureau is attached displaying each creditor for each account and inquiry in violation presenting evidence of the claims upon the face of the documented reports.

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