Consumer complaint received 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I've written to you in XXXX  regarding these intentional violations by these for profit companies below and I'm now seeking monetary remedy. The receipts for those are XXXX for XXXX XXXX XXXX XXXX XXXX for XXXX, XXXX, for XXXX, XXXX, for Experian , and XXXX, for XXXX. I'm also looking for a consumer Attorney to go after these companies to collect for damages they've intentionally have caused me and continue to do. You already know the story of XXXX  phishing or soliciting for my information to sell it for profit while financially crippling me. For two years I've been unable to operate in commerce, unable to purchase a house and this past year, I've been unable to purchase myself an automobile because of this. Not once have any of these people who I've written notices to have legitimately responded with the law and what gives them the right to intentionally violate my rights and not one responded with such laws. The most recent times, I've written to these three companies regarding the removal of this unlawful bankruptcy that is harming my credit profile that I've never given any written consent for them to put on there, including the charges that I've charged them for these violations, and damages they've caused and continue to cause. Per tacit agreement they were also warned that they were going to be charged each day that they continue to report these harmful remarks on my report pursuant to the terms as they agreed upon per tacit agreement and acquiesce : XXXX- Previous Affidavit Tracking # XXXX XXXX XXXX XXXX XXXX XXXX, Received on XX/XX/XXXX at XXXX XXXX- Previous Affidavit Tracking # XXXX XXXX XXXX XXXX XXXX XXXX, Received on XX/XX/XXXX XXXX XXXX XXXX- Previous Affidavit Tracking # XXXX XXXX XXXX XXXX XXXX XXXX, Received on XX/XX/XXXX at XXXX Experian was the only one to delete it sometime around XX/XX/XXXX of XXXX, however I had to dispute it multiple times in order to get the damaging bankruptcy removed from my credit profile. 

XXXX- ( Notice of Default, and Acceptance by Acquiesce to Resolve all Matters ) Most Recently sent, Tracking # XXXX XXXX XXXX XXXX XXXX XXXX- ( Notice of Default, and Acceptance  by Acquiesce to Resolve all Matters ) Most Recently sent, Tracking # XXXX XXXX XXXX XXXX XXXX Experian- ( Notice of Default, and Acceptance by Acquiesce to Resolve all Matters ) Most Recently sent, Tracking XXXX XXXX XXXX XXXX XXXX XXXX XXXX- ( Notice of Default, and Acceptance by Acquiesce to Resolve all Matters ) Most Recently sent, Tracking # XXXX XXXX XXXX XXXX XXXX The credit bureaus violated my rights under 15 U.S.C. 1681.

According to : 15 U.S.C. 1681 section 602 A. States I have a right to privacy. These actions also violate my rights under the Privacy Act of 1974.

According to : Office of Privacy and Civil Liberties, U.S. Department of Justice, under The " No Disclosure without Consent '' Rule : I have a right to privacy if I never gave them consent. If I did give them my consent, they must provide me with a certified copy, sworn and signed and notarized before a public notary of a county clerk officer. 

According to : 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. section 603 section ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with who he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
These companies are the prime reason why consumers have their identities stolen each year by way of careless misuse of consumer 's private information. These companies should not have this type of control over consumers and should be shut down for good. You've already received from me the evidence regarding these facts. These Credit Reporting agencies willfully continue to cause me severe damages, emotional stress, XXXX to where I just want to give up on life, invasion of privacy, selling my private information to third parties, ruined my reputation, causing me tons of money in unnecessary fees in interest, causing me to be discriminated against due to unfair practices and continue to get denied my own credit, and unable to establish a sustainable living to support my family. I've been unable to use my credit to purchase another automobile due to the unlawful deceptive actions and the fraud perpetrated against me by XXXX representatives. Also by copying and pasting my signature on other documents to make millions. 


1. Evidence from bankruptcy court that they don't give this information to these companies. THIS HAS ALREADY BEEN PREVIOUSLY ADDRESSED AND UPLOADED TO YOU. 
2. XXXX  response to opting out permanently. THIS HAS ALREADY BEEN PREVIOUSLY ADDRESSED AND UPLOADED TO YOU. 
3. XXXX XXXX, Police report. THIS HAS ALREADY BEEN PREVIOUSLY ADDRESSED AND UPLOADED TO YOU. 
4. XXXX  District Court dismissed the case after suspending my license and reinstating it due to them discovering and having evidence that someone had stolen my identity and all charges were dropped. Ends results were that the Attorney is charging the perpetrator. THIS HAS ALREADY BEEN PREVIOUSLY ADDRESSED AND UPLOADED TO YOU. 
5. Fees that I paid for this unfortunate court case of identity theft, and to prove my identity was indeed stolen. THIS HAS ALREADY BEEN PREVIOUSLY ADDRESSED AND UPLOADED TO YOU. 
6. Attorney General complaint of stolen identity and Attorney forging my signature to transfer a title of my automobile back to XXXX illegally. THIS HAS ALREADY BEEN PREVIOUSLY ADDRESSED AND UPLOADED TO YOU. 
7. FTC report of foul play by Attorney and XXXXXXXX employees or representatives. THIS HAS ALREADY BEEN PREVIOUSLY ADDRESSED AND UPLOADED TO YOU. 
8. Evidence of accounts that are clearly violation and inaccurate information that must be deleted immediately, including the removal of that unlawful bankruptcy they attached to my profile and inquiries that are on my file that may have been linked to bankruptcy and the identity theft. THIS HAS ALREADY BEEN PREVIOUSLY ADDRESSED AND UPLOADED TO YOU.

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