Consumer complaint received 2024-12-03 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: PR

Complaint narrative:
Subject : DEMAND DELETE Bankruptcy XXXX  XXXX REFERENCE # : XXXX AND XXXX BANKRUPTCY REFERENCE # : XXXX Record TO THE EXPERIAN BUREAU FOR VIOLATION to FCRA, FCDRA AND TILA AND TO MY RIGHT TO PRIVACY THIS COMPLAINT IS WITH EXPERIAN BE VIOLANTING MY RIGHT AND THE LAW FCRA TO MANY TIME. NOW I SEND THE COURT HOUSE SAIDING THEY DONT REPORT NEVER THIS BANKRUPTY TO THE EXPERIAN. NOW ATTACH IN THIS COMPLAINT THE COPY THE LETTER AND AFFIDAVIT THE COURT PROVIDE ME SAID THEY DONT REPORTING ANY INFORMATION TO THE EXPERIAN O OTHER BUREAU. So if that's the case per the FCRA 623 ( a ) ( 5 ) : " If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they NEED REMOVE ANY information from the consumer credit file '' THIS action has caused me and my family severe XXXX XXXX, defamation of character. I am requesting all my disclosures pursuant 15 USC 6802 B that you should conspicuously disclose to me before reporting of my non-public personal information to nonaffiliated third parties, I am exercising my right to opt out of having my information reported pursuant 15 USC 6802B. 
DELETE INMEDIATLY Bankruptcy Account Number : [ XXXX ] and Bankruptcy Account Number : [ XXXX ] FOR VIOLATION TO THE FCRA AND TILA : PRESENT FALSE STATEMENT UNDER INVESTIGATION THE THIS ACCOUNT AND MANINUPATION TO THE INFORMATION TO MY CREDIT REPORT CAUSING DAMAGE IN MY REPUTATION. 

THIS BANKRUPTY have stolen my identity, violated my consumer rights, my right to privacy and the obligation you have to maintain the security and confidentiality of my private information. I REQUEST TO EXPERIAN THE METHOD VERIFICATION THEY USE AND THEY DONT RESPOND TO ME, CLAIMING THAT IT HAS BEEN VERIFIED WITHOUT A CONFUSING RESPONSE, WHERE IT IS OBVIOUS THAT MY RIGHTS UNDER LAW FCRA Public Law 91-506, Title VI, Section 611, Subsections A-D ARE BEING VIOLATED AND THEY ARE MANIPULATING THE INFORMATION WHERE IF THE ORIGINAL CREDITOR IS NOT PROVIDING THE INFORMATION IT IS MORE THAN CLEAR THAT THEIR INVESTIGATION IS BEING FALSE IN THIS CASE THIS PROCESS IS CONSIDER FRAUD, AND IF SO, IF I HAVE NOT AUTHORIZED EXPERIAN TO PUBLISH MY INFORMATION PUBLICLY, THE PROCESS USED IN THIS INVESTIGATION IS FRAUDULENT AND IF SO UNDER LAW FCRA 605B ( 15 U.S.C. 1681c-2 ) all PUBLIC RECORD in this complaint be DELETED immediately. 

15 U.S.C. 1681i ( 7 ) - Description of Investigation : Pursuant to the FCRA, credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. To date, I have not received this required information.

Public Law 91-506, Title VI, Section 611, Subsections A-D : This law stipulates the procedures for the removal of inaccurate or incomplete information from credit reports. Your response and verification process did not comply with these provisions, necessitating the removal of the bankruptcy record.

18 U.S. Code 1028A - Aggravated identity theft ( a ) Offenses. 
( 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. Furthermore you have no lawful authority or permissible purpose to put any account my consumer reports Under 15 U.S.Code 1681e ( b ) and Under 15 U.S.Code 1681i ( 5 ) b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates. ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
15 U.S.Code 1681e ( b ) These accounts are in violation of not reporting 100 % accuracy.

15 U.S.Code 1681i ( 7 ) Method of verification- These accounts are in violation. It was reported without valid evidence, THE PROOF IS FALSE STATEMENT, EXPERIAN IS VIOLATING THE PROCESS INVESTIGATION.

15 U.S.C. 1681a ( 4 ) - Privacy Rights : The verification process employed does not appear to adhere to the privacy protection requirements outlined under this section. My right to privacy under the FCRA has not been upheld.

15 U.S.C. 1681b ( 2 ) - Permissible Purposes : The information used to verify the bankruptcy must be for permissible purposes and comply with established procedures. The process by which this record was verified appears to have failed to meet these standards. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. - As a consumer by law this account must be deleted immediately.

The FCRA mandates Experian to promptly investigate and rectify the issues at hand within a maximum of four business days from the receipt date of this communication, as stipulated in 605B ( a ). Enclosed are relevant sections of the Fair Credit Reporting Act : 605B - Information Block in Data Breach [ 15 U.S.C. 1681c-2 ] and 604 - Permissible Use of Consumer Reports [ 15 U.S.C. 1681b ]. It is imperative to note that I did not authorize these actions, constituting a breach of my consumer privacy rights.

In accordance with legal provisions, both yourself and the data furnishers bear the responsibility of certifying all facets of the mandated Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance 15 U.S.C. 609 ( a ) ( 1 ) ( a ) - Consumer Rights : According to this section, I am entitled to request the removal of inaccurate or outdated information from my credit report. Your verification response has not sufficiently addressed inaccuracies or provided valid justification for retaining this record.

15 U.S.C. 609 ( a ) ( 2 ) - Proof of Verification : I am entitled to request proof of the verification of the bankruptcy record. The verification provided was insufficient and does not meet the requirements for proving the accuracy and legitimacy of the record.

Title 15, Chapter 41- Federal Consumer Protections : The failure to provide adequate proof and the apparent disregard for my rights under the FCRA indicate a violation of federal consumer protection laws.

Failure to respond satisfactorily within 10 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury 5. ) PENALTY OF PERJURY 6. ) Violations of 15 U.S.C 1692g 7. ) 15 U.S.C 1692a abusive practices 8. ) 15 U.S. Code 1681b - Permissible purposes of consumer reports 9. ) 15 U.S. code 1681 4A B2 Misleading False Reporting.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

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