Consumer complaint received 2025-02-13 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: NY

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) Complaint Case Number : XXXX Complainant Information : Name : XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX : XXXX Subject : DEMAND for Immediate Resolution Failure of XXXX to Address Original Complaint ( CFPB Case # XXXX ) Background and Purpose of This Complaint : This complaint is submitted in direct response to XXXX inadequate and incomplete response to my initial CFPB complaint ( Case # XXXX ). XXXX failed to address the full scope of issues raised in my original complaint, including : Fraudulent bankruptcy reporting on my credit report, which I never authorized. 
Unauthorized collection and sharing of my personal and private information, violating multiple federal consumer laws. 
Despite clear evidence provided, XXXX response was insufficient, evasive, and failed to resolve the violations raised under : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b Gramm-Leach-Bliley Act ( GLBA ) Federal Trade Commission ( FTC ) Consumer Protection Laws 1. Fraudulent Bankruptcy Reporting Violation of Consumer Rights I never consented to the reporting of any bankruptcy on my credit report. This reporting is : Fraudulent and deceptive A direct violation of FCRA ( 15 U.S.C. 1681b ), which prohibits the collection and distribution of personal data without consent.

Supporting Evidence Provided : An official letter from the Bankruptcy Court, confirming that the court does not report bankruptcy filings to credit bureaus or third-party entities.

An FTC Affidavit, detailing fraudulent reporting of a bankruptcy that was either fabricated or obtained through illegal data-sharing practices. 
XXXX failed to adequately respond to this evidence or justify the source of this bankruptcy information, reflecting a willful non-compliance and negligence in addressing the core issue of my initial complaint. 

2. Unauthorized Sharing of My Private and Personal Information XXXX has unlawfully collected, stored, and transmitted my personal information without my express consent. Key facts include : XXXX confirms that public records, including bankruptcies, are obtained through XXXX, not directly from the courts. 
XXXX lacks permissible purpose under FCRA to collect or distribute my private information, and I have never given consent for such data collection. 
A XXXX XXXX XXXX Consumer Disclosure proves that XXXX supplies unauthorized data, including public records, to Experian, XXXX, and XXXX. 
XXXX response ignored these documented violations, thereby failing to comply with : FCRA ( 15 U.S.C. 1681b ) No permissible purpose for data collection. 
GLBA Unauthorized transmission of nonpublic personal information. 
Violations and Legal Breaches Cited : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b Lack of permissible purpose for the collection and distribution of my personal information.

15 U.S.C. 1681e ( b ) Failure to maintain accurate consumer information.

15 U.S.C. 1681n Willful non-compliance, justifying punitive damages.

Gramm-Leach-Bliley Act ( GLBA ) 15 U.S.C. 6801-6809 Unauthorized sharing of nonpublic personal information without consumer consent. 
Federal Trade Commission ( FTC ) Consumer Protection Laws 15 U.S.C. 45 ( a ) Unfair or deceptive acts or practices in commerce, including misleading credit reporting.

Resolution Demanded : To resolve this matter, I demand the following immediate actions : Permanent removal of all public record data, including the fraudulent bankruptcy notation, from my credit reports.

Immediate deletion of any personal and private information obtained through XXXX or other unauthorized third-party sources. 
Formal written confirmation from all credit reporting agencies and XXXX, verifying that my information has been permanently removed and that no future unauthorized data collection will occur. 
Financial Compensation for Damages Incurred : {$75000.00} for Emotional Distress and Mental Anguish {$100000.00} for Financial Losses and Denial of Credit {$150000.00} in Punitive Damages for Willful and Malicious Violations Final Notice and Legal Action Warning : XXXX ongoing refusal to comply with federal laws will result in escalated legal action. I am prepared to file additional complaints with the following agencies for the following violations : Federal Trade Commission ( FTC ) Fraudulent bankruptcy reporting and unauthorized data collection. 
State Attorney Generals Offices Violation of federal privacy laws.

Civil Court Defamation of character due to false and misleading reporting, as well as financial and emotional damages caused by these violations. 
This matter requires urgent and immediate correction. I demand a full response and resolution within 15 days. 

Attached Evidence : XXXX XXXX XXXX Consumer Disclosure Proof of Unauthorized Data Sharing FTC Affidavit Proof of Fraudulent Bankruptcy Reporting Official Bankruptcy Court Letter Confirming the Court Does Not Report to Credit Bureaus or Third Parties Conclusion : XXXX has failed to adequately address the matters raised in CFPB Complaint Case # XXXX. This demand serves as final notice for full resolution and compensation. Failure to comply will lead to legal escalation and further regulatory complaints. 

Sincerely, 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