Consumer complaint received 2024-04-11 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: WA

Complaint narrative:
I received a copy of my credit report from XXXX XXXX and Experian and NOTICED ERRONIOUS ACCOUNTS that need to be immdiately deleted. They are as follows : Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXXXXXX ( EXPERIAN, XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN ) XXXX # XXXX XXXX ( EXPERIAN, XXXX ) These Consumer Reporting Agencies have viloated my consumer rights and viloated federal law ; i have proof in 15 USC 1681B ( 2 ) of the Fair Credit Reporting Act, which is noted below, 15 USC 1681B ( 2 ) - permissible purposes of consumer reports, THE LAW CLEARY STATES : ( a ) 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. 

I did NOT give these agency 's written authorization or written instructions to report this information. 

They have not only violated the Fair Credit Reporting Act, but they have committed aggravated indentity theft and I've sustained defamation of character just to name a couple damages should this matter escalate to court. 

that is reporting the collection, has violated my consumer right as well, which is noted below in 15 USC 6802, so they are both liable for a lawsuit in conspiring against me if this matter doesnt get resolved privately now.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, THE LAW CLEARLY STATES : ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

A., did not disclose to me the consumer that the information reported would be disclosed to the third party the consumer reporting agencies.

B., did not give me an opportunity to direct such information not be disclosed.

C., did not give me the consumer an explanation of how i could excercise the non discloure option. 

The law basically states if all 3 of these discloures were not provided to me that this is a direct violation of the law and I have the right to excercise opting out. 

All these XXXX discloures were not met, therefore, I am demanding to OPT OUT of having my information reported and demanding the reporting information to be DELETED from my consumer report OR I will seek to take legal action against your agency for willfully violating the law after I've clearly explained to you how you've violated me numerous times. 

I will be submitting this notice to the Federal Trade Comission and Consumer Financial Protection Bureau as well. 

Moreover ; because these agencies have conspired against me collectively, they both violated my rights under 18 USC 241 which is noted below.

18 U.S. Code 241 - Conspiracy against rights Please remove these erronious accounts from my credit report immediately. 

Best regards, 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