Consumer complaint received 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, Pa XXXX. 



This my third CFPB complaint. I also filed some FTC/ Identity Theft as well certified false info to furnishers with National Credit Bureaus EXPERIAN , XXXX , XXXX and thirds parties that is on my credit report believes they are ABOVE the law and Refuse to give me my documentation used, signed application with consumer wet ink signature. Refuse to update the accurate info, delete the inaccuracies with Identity Theft and block these companies. 



XXXX XXXX  EXPERIAN EXPERIAN is obligated by the FCRA to report accurate accounting. The consumer has advised ALL the inquires, accounts and reported was fraud said company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting EXPERIAN to provide the documentation used to determine inquiry was indeed authorized by the consumer, EXPERIAN has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. consumer is Not asking for an e-oscar report. if EXPERIAN does not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. EXPERIAN Commission file number. I will be filing form 211 treasury omb forms to audit consumers account. Experian is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT. SEC file number XXXX XXXX XXXX XXXX XXXX , XXXX XXXX , California. THE  XXXX XXXX XXXX subsidiary Experian PL Experian HAPPILY VIOLATED the SEC filing and failed to simultaneously satisfy the filing obligation of the registrant under any of the following provisions : Pursuant to Section 13 OR 15 ( d ) of The Securities Exchange Act of 1934 Written communications pursuant to Rule 425 under the Securities Act ( 17 CFR 230.425 ) Soliciting material pursuant to Rule 14a-12 under the Exchange Act ( 17 CFR 240.14a-12 ) Pre-commencement communications pursuant to Rule 14d-2 ( b ) under the Exchange Act ( 17 CFR 240.14d-2 ( b ) ) Pre-commencement communications pursuant to Rule 13e-4 ( c ) under the Exchange Act ( 17 CFR 240.13e-4 ( c ) ) Section 604 of the FCRA, 15 U .S.C. 168 1b, prohibits a consumer reporting agency from furnishing a consumer report except for specified " permissible purposes. '' Your practice was, and is, an unfair act or practice in or affecting commerce in violation of Section 5 ( a ) of the Federal Trade Commission Act, 1 5 US C. 45 ( a ) 15 U.S.C. 1681b ( f ). FCRA section 607 ( a ) requires that consumer reporting companies, among other things, must require that prospective users of consumer reports certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. 15 U.S.C. 1681e ( a ) 16 C.F.R. ' 603.2 ( a ) Identity Fraud 15 U.S. Code 1681b - Permissible purposes of consumer report is inquiries is a promotional and solicitation. This is a-direct violation on your SEC agreement Ref. Soliciting material pursuant to Rule 14a-12 under the Exchange Act ( 17 CFR 240.14a-12 ) 18 U.S.C. 1028 was amended to make it a federal crime to knowingly commit, attempt to commit, or aid in committing identity theft. Experian violated the Dodd-Frank Wall Street Reform and Consumer Protection Act by deceiving me about the use of my credit scores being sold with my consent and not benefiting from it. 15 U.S. Code 1679c - Disclosures 15 U.S. Code 1681n - Civil liability for willful noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater and will be a claim for pain and suffering damages. 15 U.S. Code 1666b. Timing of payment violation to request the removal of late payments from my credit report and update as paid as agreed. A creditor may not treat a payment on a cred- it card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures de- signed to ensure that each periodic statement including the information required by section 1637 ( b ) The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) and Privacy Act of 1974 as amended. 5 U.S.C. 552 is a Federal law that protects the privacy of student education records. The law applies to all schools that receive funds under an applicable program of the U.S. Department of Education My student loans amounts on my credit report is a direct violation of my privacy and amount shouldnt be on my credit report. I am requesting all payments to paid as agreed status. FTC identity thief. 5 usc 522a. A charge off is considered as a Certificate of Indebtedness. Which is income. Income doesnt belong on my credit. I am requesting to keep these accounts on my credit report updated to be paid as agreed. 15 U.S. Code 1637 - Open end consumer credit report XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EXPERIAN!! 

XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX EXPERIAN is obligated by the FCRA to report accurate accounting. The consumer has advised ALL the inquires, accounts and reported was fraud said company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting EXPERIAN to provide the documentation used to determine inquiry was indeed authorized by the consumer, EXPERIAN has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. consumer is Not asking for an e-oscar report. if EXPERIAN does not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. I will be filing the form 211 treasury omb forms to audit my consumer account. EXPERIAN Commission file number. XXXX XXXX XXXX XXXX XXXX , XXXX XXXX , California. Bureau of Consumer Financial Protection XXXX XXXX XXXX XXXX XXXX, DC XXXX. Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  , DC XXXX.Office of the Comptroller of the Currency XXXX  XXXX  XXXX . XXXX XXXX XXXX XXXX, TX XXXX Federal Reserve XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN. XXXX XXXX XXXX XXXXr XXXX  XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX  Federal Deposit Insurance Corporation XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, MO XXXX. National Credit Union Administration Office of Consumer Financial Protection XXXX XXXX XXXX XXXX, VA XXXX. Assistant General Counsel for Office of Aviation Consumer Protection Department of Transportation XXXX XXXX  XXXX XXXX XXXX XXXX , DC XXXX. Office of Public Assistance, Governmental Affairs, and Compliance Surface Transportation Board XXXX XXXX XXXX XXXX XXXX, DC XXXX. Associate Administrator, Office of Capital Access United States Small Business Administration XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, DC XXXX Securities and Exchange Commission XXXX XXXX XXXX XXXX XXXX, DC XXXX. Farm Credit Administration. XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXXXXXX subsidiary Experian PL Experian HAPPILY VIOLATED the SEC filing agreement and failed to simultaneously satisfy the filing obligation of the registrant under any of the following provisions : Written communications pursuant to Rule 425 under the Securities Act ( 17 CFR 230.425 ) Soliciting material pursuant to Rule 14a-12 under the Exchange Act ( 17 CFR 240.14a-12 ) Pre-commencement communications pursuant to Rule 14d-2 ( b ) under the Exchange Act ( 17 CFR 240.14d-2 ( b ) ) Pre-commencement communications pursuant to Rule 13e-4 ( c ) under the Exchange Act ( 17 CFR 240.13e-4 ( c ) ) Section 604 of the FCRA, 15 U .S.C. 168 1b, prohibits a consumer reporting agency from furnishing a consumer report except for specified " permissible purposes. '' Your practice was, and is, an unfair act or practice in or affecting commerce in violation of Section 5 ( a ) of the Federal Trade Commission Act, 1 5 US C. 45 ( a ) 15 U.S.C. 1681b ( f ). FCRA section 607 ( a ) requires that consumer reporting companies, among other things, must require that prospective users of consumer reports certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. 15 U.S.C. 1681e ( a ) 16 C.F.R. ' 603.2 ( a ) Identity Fraud 15 U.S. Code 1681b - Permissible purposes of consumer report is inquiries is a promotional and solicitation. This is a-direct violation on your SEC agreement Ref. Soliciting material pursuant to Rule 14a-12 under the Exchange Act ( 17 CFR 240.14a-12 ) 18 U.S.C. 1028 was amended to make it a federal crime to knowingly commit, attempt to commit, or aid in committing identity theft. 

Experian violated the Dodd-Frank Wall Street Reform and Consumer Protection Act by deceiving me about the use of my credit scores being sold with my consent and not benefiting from it. 

15 U.S. Code 1679c - Disclosures 15 U.S. Code 1681n - Civil liability for willful noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 

15 U.S. Code 1666b. Timing of payment violation to request the removal of late payments from my credit report and update as paid as agreed. 

A creditor may not treat a payment on a cred- it card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures de- signed to ensure that each periodic statement including the information required by section 1637 ( b ) The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) and Privacy Act of 1974 as amended. 5 U.S.C. 552 is a Federal law that protects the privacy of student education records. The law applies to all schools that receive funds under an applicable program of the XXXX Department of Education!! My student loans amounts on my credit report is a direct violation of my privacy and amount shouldnt be on my credit report. I am requesting all payments to paid as agreed status. 

FTC identity thief. 5 usc 522a. 

12 CFR part 1026 Truth in Lending ( Regulation Z ) 15 U.S.Code 1666 Correction of billing errors A charge off is considered as a Certificate of Indebtedness. Which is income. Income doesnt belong on my credit. I am requesting to keep these accounts on my credit reports to be updated to be paid as agreed. 







XXXX XXXX Addresses Current Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Regular Inquiries : 15 U.S. Code 1681b - Permissible purposes of consumer report is inquiries is a promotional and solicitation. This is a-direct violation on your SEC agreement Ref. Soliciting material pursuant to Rule 14a-12 under the Exchange Act ( 17 CFR 240.14a-12 ) Requesting to be deleted and blocked Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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Dear Sir or Madam : I am writing to dispute a fraudulent charge on my account in the amount above. I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R. 226.13. See also 12 C.F.R. 226.12 ( b ). 

Enclosed are copies of [ use this sentence to describe any enclosed information, such as sales slips, payment records ] supporting my position. Please investigate this matter and correct the billing error as soon as possible. Thank you in advance. 





Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 



A copy of my Identity Theft Report and proof of my identity. 

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 

I appreciate your prompt attention to this matter, and await your reply. 



Identity Theft Report Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] Sent from my iPhone

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