Consumer complaint received 2025-04-07 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: TX

Complaint narrative:
Id like to bring to your awareness that I have recently reviewed my consumer credit report and have found many violations pursuant, to The Privacy Rights Act of 1974, The Gramm-Leach Bliley Act, The Fair Debt Collections Act, The Truth In Lending Act, last but not least The Fair Credit Reporting Act. Firstly, I found that XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX obtained my nonpublic personal information as a result of material misrepresentation, fraud, and identity theft pursuant, to 15 U.S.C. 1681a and Texas Penal Law 521.051 ( a ). XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX, are in unlawful possession of the consumer 's ( my ) nonpublic private financial information and have used and shared it with third parties which include but may not be limited to consumer reporting agencies, without prior consent. 

Secondly, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX and XXXX XXXX fraudulently used my nonpublic personal financial information, by disclosing said private information to unverified third parties without my consent. I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ), originating from the right to obtain information under the color of law ( 15 U.S.C. 242 ). 
Said information was exchanged without my consent to unverified third parties, including but not limited to Experian, Equifax, and Transunion. 

I am formally asserting my rights under the Fair Credit Reporting Act ( FCRA ), specifically referencing 15 USC 1681, Section 602 ( a ), which underscores the importance of consumer privacy and the responsibilities of consumer reporting agencies to act fairly and impartially. 
Furthermore, I HAVE REACHED OUT TO TRANSUNION, EQUIFAX, and EXPERIAN multiple times to no avail. Because of the violations of the aforementioned Companies, and the Accessory actions of TRANSUNION, EQUIFAX, and EXPERIAN by continuing to report this information, not properly investigating this matter, and using extortionate means to stop the consumer ( Myself ) from taking advantage of the consumers FULL FAITH IN CREDIT ; I the consumer have faced much distress and even homelessness and last but not least loss of funds. According to 18 USC 42 Section 894 Whoever Knowingly participates in any way, or conspires to do so, in the use of any extortionate means to ( 1 ) Collect or attempt to collect any extension of credit or ( 2 ) Punish any person for the nonrepayment thereof, shall be fined under such title or imprisoned not more than 20 years or both. XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX and XXXX XXXXXXXX. Pays Experian, TransUnion, and Equifax to report these prohibited items on my consumer file, RESULTING IN ADVERSE ACTIONS against ( me ) the consumer. According to 15 U.S.C. 1681 ( 3 ) ( A ) ( f ) Credit Reporting Agencies refers to any PERSON that, for a fee, dues, or on a cooperative nonprofit basis, regularly participates, fully or partially, in the collection or assessment of consumer credit information or other data about consumers. This is done with the intention of providing consumer reports to third parties, utilizing any means of interstate commerce to prepare or deliver these reports. 

Lastly According to 15 U.S.C. 1681 ( a ) ( 5 ) states except as authorized under subsection ( b ) no consumer reporting Agencies may make any consumer report containing ANY ADVERSE items of information, other than records of convictions of crimes which antedates the report by more than seven years.

I am Requesting and or Demanding that These Accounts Be Removed from Experians, Transunions, and Equifaxs Consumer Reporting Services. Transunion, Equifax, and Experian YOU HAVE 4 DAYS TO REMOVE THESE ACCOUNTS FROM YOUR REPORTING SERVICES, FROM THE DATE OF YOU RECEIVING THIS NOTICE. PLEASE BE AWARE THAT ANY AND ALL NECESSARY LEGAL ACTIONS AVAILABLE TO MYSLEF WILL BE ACTED UPON BY ME. 

Attached to this complaint you will find A FTC report and proof of identity for your resources. Per The CFPB this is the only requirement besides my request that you will need to remove these accounts from the consumer report. 

I have previously disputed these items with Experian, Transunion and Equifax and my rights have been violated. Recent updates have found that Experian violated FCRA by failing to properly conduct reinvestigations of disputed information in consumer credit files; failing to delete inaccurate, incomplete, or unverified information in consumer credit files; failing to provide adequate written notice to consumers of the results of its reinvestigations; failing to prevent the improper reinsertion of previously deleted information from consumer credit files ; and failing to follow reasonable procedures to assure maximum possible accuracy of the credit information Experian reports on consumers. In addition, the complaint alleges that Experian committed unfair acts or practices in violation of the Consumer Financial Protection Act of 2010 by ( 1 ) failing to convey consumers disputes to furnishers fully and accurately, and instead distorting, truncating, and mischaracterizing consumers disputes ; ( 2 ) relying excessively on furnishers to resolve disputes, routinely doing nothing more than sending the dispute to a furnisher and implementing the furnishers response. Further more Equifax has been found violating the same laws including by not limited to the FCRA, CFPA ; 12 USC 5531, 5536, & 1053,1055, and 12 USC 5563, 5565. 


To All Parties Involved This Is Not A Dispute Or A Request For Validation of Debt! This Is A Demand and or Request To Remove any of My Private Non-Public Information From Your Reporting Services! Per The Gramm-Leach Bliley Act and Privacy Rights Act of 1974. 

Please see attached CFPB 's ongoing lawsuits against Experian and Equifax.

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