Consumer complaint received 2024-05-06 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX XXXX XXXX XX/XX/year> Subject : Privacy Violations XXXX XXXX XXXX, This is not an attempt to verify/validate a debt. I am writing to bring to your attention a matter of serious concern regarding my personal information and credit report, which involves violations of Privacy and Constitutional Laws. I am also referencing the potential penalties outlined in 15 USC 1681n. It has come to my attention that my credit report contains transactions and experiences that not only are NOT allowed in the report, but that were submitted without my written authorization. The Constitution for the United States guarantees me safety and security in my persons and absent a warrant, you are not authorized to have my persons information. Experian is a for-profit company, and while you are regulated by the law, you are not a government entity. You are getting paid to collect and store NPI ( non-public personal information ) which is racketeering and identity theft. 

I have not authorized you to collect any information on behalf of the estate, XXXX XXXX XXXX ; XXXX XXXX XXXX. Please furnish any agreement stating otherwise. 
XXXX, as defined by XXXX XXXX states, a pattern of illegal activity carried out as part of an enterprise that is owned or controlled by those engaged in the illegal activity. Having a subscription or a fee to obtain NPI to be used in any manner unauthorized by the man or woman is illegal. You are a non affiliated third party who then provides information to another non affiliated third party. Section 502 ( c ) of the GLB Act strictly limits the reuse of information, that of which you are again in clear violation of.

15 USC 1681a emphasizes the importance of maintaining accurate and up-to-date credit information to promote fair lending practices and protect consumers ' rights. The following violations HAVE also occurred pertaining to the direct issue to the data breach : the violation of personal information, reporting/trading/selling personal information, promotional inquiries, 3rd party access without hand/written permission authorization, unable to obtain a line of credit due to incorrect reported information. 
See proof of willing to pay for damages in Case # XXXX. XXXX XXXX I did not complete a Social Security XXXX Form XXXX ( XXXX ), which is required for permissible purpose under FCRA. This raises serious concerns about the legitimacy of the information reported, as well as the adherence to privacy regulations. 
Any violation of this act can result in severe penalties under 15 USC 1681n, which includes statutory damages. Invoice is attached.

Given the circumstances, I demand the following actions to be taken : 1. **Removal of Late Payments/All inquiriesXXXX XXXX : I demand that the late payment entry on my credit report by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX be promptly removed, as it appears to have been reported without proper adherence to the FCRA requirements.

2. **Removal of Student Debt/Loan ( s ) -*XXXX XXXX XXXX I trust that Experian takes privacy and data accuracy seriously and will promptly investigate and correct the aforementioned inaccuracies in accordance with the applicable laws and regulations. 
Please provide me with written confirmation of the actions taken to rectify these concerns within 10 days of receiving this letter. If my request is not addressed satisfactorily within the specified timeframe, I may have no choice but to pursue further legal actions available under the FCRA, including but not limited to legal action to ensure compliance and rectification. 
Thank you for your immediate attention to this matter. I look forward to your prompt response.

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