Consumer complaint received 2025-01-31 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: SC

Complaint narrative:
Experian Went to a secondary credit reporting agency to obtain a consumer report about me without written instructions from me, which is a violation of, 15 U.S.C 1681B2, because they obtain this information under false pretenses, this is also a violation of, 15 U.S.C. 1681 Q obtaining information under false pretenses Because they did not have lawful authority to do so, nor did they have A court order to do so. For them to have done this, someone had to have a form of identification of me to know that I was linked to this information in any way.Therefore this is a violation of, 18 U.S.C. 1028 A AGGRAVATED IDENTITY THEFT. when I brought all of this to experians attention, they would not properly investigate my concerns or my dispute. I sent in a identity theft packet. I also sent in a police report from the XXXX. South Carolina police department, which both are legal and binding. Experian told me that the identity theft packet was not lawful. Know the police report, which I have found out to be a lie. 
They have failed to investigate my disputes. 
Which is a violation of 15 U.S.C 1681 I.

15 U.S. Code 1681c2 - Block of information resulting from identity theft U.S. Code Notes prev | next ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction because of this information, they failed to block the false information from my credit file. Which is a violation of, 15 U.S. Code 1681n - Civil liability for willful noncompliance U.S. Code ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or. The only thing experian wants to do. It's to keep people with bad credit. That way, they can always make money. It is only a banking game, but me, as a consumer.I am tired of it. Experience has also lied and say that.I did not send in a copy of my social security card.A bill or my identification, which we all know, is nothing but a stal tactic. They should be held responsible for the things that they are doing to consumers. It is very bad that they have already been sued just this month. 
And they need to be helable, because everything that they have done in that lawsuit they've done to me. Also, when I sent in my dispute, they want to modify it to suit their needs, which is not something that is lawful. Why modify my dispute?

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