Consumer complaint received 2024-03-30 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: IL

Complaint narrative:
Fact To All Who May Read This That I am the consumer in fact federally insured natural person original creditor the lender the executor administrator holder in due course for any and all derivatives thereof for XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding and I hereby claim that I will deviate and autograph as the agent attorney in fact so be it whereas I of age of majority give the herein fact to all I make the solemn oath to the XXXX and only most high of creation only whoever that maybe and I oppose the following facts so be it now present, XXXXXXXX XXXX  Prejudice company Polices have been holding XXXX people back from building wealth for generations, the fair debt collection practices act and the fair credit reporting act is intended to secure my right to privacy and my privacy HAS BEEN BREACHED so be it and its a fact that I am sure the removal of my information from your company records or any and all derogatory marks or derivatives will be removed from your website thereof and with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent in this here in unrebuted affidavit of truth being serviced to you today and therefore standing as truth in commerce so be it. Please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury damages mental anguish and financial losses due to me being a victim of identity theft and so be it. I write to you today, not just as a consumer who has been adversely affected by the practices ofXXXX, XXXX, Experian but as an individual who demands fairness, equity, and respect under the law. The reporting of negative information by your company has been neither fair nor equitable, significantly harming my financial standing and personal well-being. It's imperative to address that, in managing my personal and financial information, the Company inherently holds a fiduciary obligation to act solely in ways that benefit me, the consumer. This letter encapsulates a comprehensive demand for the Entities to rectify its actions in compliance with this obligation and the applicable federal laws. Specific Violations and Liabilities : The conduct of The CRAs, constitutes explicit violations of several federal statutes, critically affecting my rights and interests : 15 U.S. Code 1611 - Criminal liability highlights the severity of willful and knowing misrepresentations or compliance failures regarding consumer information. 15 U.S. Code 1681n, 15 U.S. Code 1681o - Civil liabilities underscore the consequences of both willful and negligent noncompliance with the Fair Credit Reporting Act ( FCRA ), emphasizing the rights of consumers to seek redress for violations. 15 U.S. Code 6802 - The obligation of financial institutions to adhere to strict notice and opt-out requirements for the disclosure of nonpublic personal information, a principle egregiously violated by the unauthorized dissemination of my information. 15 U.S. Code 1681q - The penalty for obtaining consumer information under false pretenses, reinforcing the sanctity of consumer data integrity. 15 U.S.C. 1681a ( i ) - Exclusions from the consumer report definition, whichXXXX XXXXXXXX and XXXX XXXX has failed to respect by reporting transactions and experiences without my consent, directly contravening the FCRA 's stipulations Pursuant to 18 U.S. Code 1341 - Frauds and swindles Whoever, having devised or intending to devise anyscheme or artifice to defraud, or for obtaining money or property by means of false or fraudulent pretenses, representations, or promises, or to sell, dispose of, loan, exchange, alter, give away, distribute, supply, or furnish or procure for unlawful use any counterfeit or spurious coin, obligation, security, or other article, or anything represented to be or intimated or held out to be such counterfeit or spurious article, for the purpose of executing such scheme or artifice or attempting so to do such person shall be fined not more than {>= $1,000,000} or imprisoned not more than 30 years, or both.Capital One has erroneously reported late payments on a closed account. Despite my legitimate attempts to settle this issue, including sending a certified mail letter ( Reference : XXXX ) with a remittance coupon and a 1099c form, XXXX XXXX has failed to process my payment and continues to report negative information. This contravenes the FCRA 's accuracy requirements ( 15 U.S.C. 1681a ) and the XXXX 's privacy protections ( 15 U.S.C. 6802 ), as they have improperly handled and reported my financial information without my consent. Since I Dont have any valid or said contract with Experian XXXX XXXX XXXX or XXXX and you are claiming rights to MY INFORMATION, and furnishing inaccurate information on me under false pretenses because I Was never given any notice my information would be shared with Any CRA XXXX Immediate Actions Required : In light of these indisputable violations and the fiduciary breach represented by the XXXX XXXXXXXX and XXXX XXXX actions, Hard Inquires are a receipt of transaction ( XXXX ) meaning my credit card was ran, Pursuant to 15 usc 1602 ( A ( l ) ( l ) The term credit card means any card, plate, coupon book or othercreditdevice existing for the purpose of obtaining money. meaning someone at early warning got paid for transmitting MY INFORMATION And using My social Security number. As a result of Experian, XXXX, and XXXX getting paid I was Discriminated against and denied Several credit cards a auto loan and XXXX personal loans. Since my credit card ( social security card ) was used I demand the following immediate corrective measures : there seems to be some sort invisible block to my information i require any and all freezes or purposeful non reporting of my credit profile to stop because I am expecting positive changes and this information should be reported postive tradelines are coming from XXXX XXXX XXXX as well as XXXX XXXX. The cessation of all unauthorized use. The removal of all negative information reported by the Company that has unfairly impacted my consumer reports, reinstating my rightful financial reputation. Full compliance with the FCRA, particularly adherence to the exclusions under 1681a ( i ) and rectification of all compliance failures. A formal investigation into and rectification of discriminatory practices and biases in the Company 's reporting and data handling processes, ensuring equitable treatment. Ultimatum and Notice Before Legal Action : This letter serves as a final ultimatum for ALL INSTITUTIONS INVOLVED to comprehensively address and rectify the aforementioned issues within XXXX business days from receipt hereof. This will be accompanied with an invoice a check made payable to me is required to be sent the address above for my damages and emotional distress Failure to adequately respond and rectify these matters will leave me with no option but to pursue all available legal remedies, including but not limited to, filing for damages and enforcement of statutory compliance through legal proceedings. I expect an immediate, detailed, and written acknowledgment of this letter from XXXX experian and XXXX, outlining the specific actions the Companies commits to undertake in response to these demands. Let this letter mark the beginning of rectifying the injustices and breaches of trust that have transpired. Sincerely, XXXX XXXX Please take further fact that I am compelled to pursue potential legal action against you seeking injunctive relief substantial monetary damages including but not limited to special punitive and compensatory damages attorney fees and all additional remedies relief and penalties by law and equity to the fullest extent permitted by law the foregoing is submitted without prejudice and with full reservation of all rights and remedies irrespective of whether they are stated herein.

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 non-monetary relief