Consumer complaint received 2024-06-05 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 have communicated with EXPERIAN on a few occasions relating to the Reporting of a Bankruptcy on my credit report. Experian has confirmed that they are reporting such information ( Please see attachment ). I had requested for Experian to Immediately stop and to Delete the Bankruptcy information. They have declined to do so.

This Bankruptcy information that is being furnished and reported on my credit report is in Violation of the following laws and Must be Deleted immediately or 4 Business days as described in the following : Under U.S.C. 1681 B2, A consumer reporting agency may furnish a consumer report under the following circumstances and NO other with the Written instructions from the Me ( the consumer ) to whom it relates. Which means if Experian goes to XXXX XXXX or any other agency for My Consumer Report, they must have 'written permission ', that is Law .

15 U.S. Code 1681b - Permissible purposes of consumer reports ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S. Code 1681 ( q ) - Obtaining information under false pretenses, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.

person : ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such XXXX, be sentenced to a term of imprisonment of 2 years. 

XXXX and Experian, these are persons, these are corporations, they are going to another consumer reporting agency like XXXX XXXX to obtain information about a Me ( consumer ) under false pretenses. Well that sounds to me like the definition of identity theft.

18 U.S. Code 1028A - Aggravated identity theft Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.

Experian shall perform the following since they have violated my rights and Laws stated above.

15 U.S. Code 1681c2 - Block of information resulting from identity theft, Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of

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