Consumer complaint received 2025-04-04 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: MO

Complaint narrative:
I, am a living breathing man as created by XXXX, have sent you CFPB addresses Consumerinfo.com XXXX d/b/a Experian Consumer XXXX ( XXXX XXXX shares a parent company with Experian Information Solution, Inc. XXXX maintain the website usa.experian.com , reporting and reinvestigation of illegal, inaccurate, misleading and obsolete negative information, which has caused me and my family financial and emotional harm as detailed : 1 ). I HAVE NOT GIVEN EXPERIAN INFORMATION SOLUTION, INC WRITTEN PERMISSION TO HAVE NOR SHARE MY FINANCIAL INFORMATION WHICH CONSIST OF MY TRANSTION HISTORY, EXPERIANCE WHICH IS NOT INCLUDED ACCORDING 10 15 U.S.C. 1681a, OR TO PUT ANYTHING ON MY CREDIT PROFILE 15 U.S.C. 1681 ( b ) 2.

2 ). I HAVE NEVER GIVEN EXPERIAN INFORMATION SOLUTION AND COMPANYS AGENTS, ATTORNEY TO OBTAINED MY INFORMATION THROUGHT ANY THIRD PARTY VENDOR OR COMPANY. 
3 ). MISREPRESENTATION OF DEBT AS " CHARGE OFF '' INCOME. THE DEBTS IN QUESTION, REPORTING AS CHARGE OFF CONSTITUTES INCOME UNDER IRS REGULATIONS WHEN A 1099-C HAS BEEN ISSUED PER 15 U.S.C. 1681s-2, CREDITORS ARE PROHIBITED FROM FURNISHING INACCURATE OR 4 ). MISLEADING INFORMATION. REPORTING THIS DEBT AS CHARGED OFF POST-1099-C ISSUANCE IS A MATERIAL INACCURACY AND A DIRECT VIOLATION OF THE FCRA.

5 ). IDENTITY THIFT REPORTING COMMENTS, PERSON STATEMENTS AND NOTICE LIKE THE CONSUMER ( me ) HAS STATED THESE STATEMENTS I HAVE NOT GIVEN EXPERIAN INFORMATION SOLUTION AND COMPANYS AND ITS AGENTS, ATTORNEY WRITTEN PERMISSION TO PUT ANYTHING ON MY CREDIT FILE.

6 ). MISLEADING EXPERIAN AND ITS AGENT/S, HAVE STATED ON MY FILE PRETENTING TO BE ME THE CONSUMER HAS STATED IN THE PERSONAL STATEMENT.

7 ). You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
8 ) i NEVER GIVEN EXPERIAN WRITTING PERMISSION TO AD ANY PERSONAL COMMENTS OR NOTICES 9 ). 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 
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0 ). My identity has been stolen you are hereby put on notice. Aggravated Identity Theft pursuant to 18 U.S.C. 1028A.

( 1 ) IN GENERAL.

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 has a identification of me has been used with out my permission to open several accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by Federal Law.

11 ) Experian are in collusion with committing securities Fraud money lauding tax evasion and extortion.

12 ). 15 USC 1681b Permissible purpose of consumer reports IN GENERAL ; Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

13 ). YOU EXPERIAN have aided this Fraud by not verifying these accounts.

14 ). Congress states ; 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code 6805 - Enforcement ( a ) In general Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law

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