Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
EXPERIAN, XXXX, and XXXX... .FRAUDULENTLY OBTAINED information and reported it on my consumer credit reports. How in the world did they get this information when it's clear that the courts do not furnish anything to 3rd parties such as credit reporting agencies. They just get this fake information and report it, how in the world are you reporting a bankruptcy that I haven't filed?? Why wasn't I contacted to validate it and give permission to report it? 
Notice to agent is notice to principal, notice to principal is notice to agent It has come to my attention that you have furnished information on me regarding an alleged public record that you claim is verified when the integrity and accuracy of this negative item was obtained and furnished to Experian, XXXX and XXXX without any permissible purpose. 

Fair Credit Reporting ; Permissible Purposes for Furnishing, Using, and Obtaining Consumer Reports BureauofConsumerFin.Prot., FairCreditReporting ; Name-OnlyMatchingProcedures,XXXX ( XXXX ) A consumer reporting company may not provide a consumer report under FCRA section 15 USC 1681b ( a ) ( 3 ) unless it has reason to believe that the user has a permissible purpose with respect to the consumer about whom the report is requested. 
A users request to a consumer reporting company for a report about a consumer does not give the consumer reporting company a reason to believe that the user has a permissible purpose to obtain a consumer report about other consumers. 
FCRA section 15 USC 1681b ( f ) prohibits a person from using or obtaining a consumer report unless... the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under 15 USC 1681b and the purpose is certified in accordance with 15 USC 1681e by a prospective user of the report through a general or specific certification. Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this titl
e. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title. 
Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Provide me with a copy of the permissible purpose document that was certified buy law? 
15 USC 1681e ( e ) ( e ) Procurement of consumer report for resale.

( 1 ) Disclosure. A person may not procure a consumer report for purposes of reselling the report ( or any information in the report ) unless the person discloses to the consumer reporting agency that originally furnishes the report ( A ) the identity of the end-user of the report ( or information ) ; and ( B ) each permissible purpose under section 604 [ 1681b ] for which the report is furnished to the end-user of the report ( or information ). 
( 2 ) Responsibilities of procurers for resale. A person who procures a consumer report for purposes of reselling the report ( or any information in the report ) shall ( A ) establish and comply with reasonable procedures designed to ensure that the report ( or information ) is resold by the person only for a purpose for which the report may be furnished under section 604 [ 1681b ], including by requiring that each person to which the report ( or information ) is resold and that resells or provides the report ( or information ) to any other person ( i ) identifies each end user of the resold report ( or information ) ; ( ii ) certifies each purpose for which the report ( or information ) will be used ; and ( iii ) certifies that the report ( or information ) will be used for no other purpose ; and ( B ) before reselling the report, make reasonable efforts to verify the identifications and certifications made under subparagraph ( A ). 
I demand the copy of the written permissible purpose document. 

In addition to the certification, I wrote the bankruptcy court asking for certification of accuracy from the clerk of the court to certify that the information on PACER is 100 % accurate response to my letter they claim that they did not report any information to the consumer reporting agency. 
However, you said the item was verified? How was said items verified? Which person from the bankruptcy court certified the accuracy of the information! When I sue you for fraud, identity theft and furnishing a consumer report without a permissible purpose, under the 5th amendment I have a right to face my accusers this person who did the certification of accuracy will be called to the stand. 
15 USC 1681e ( e ) ( 2 ) ( e ) Procurement of consumer report for resale ( 1 ) DisclosureApersonmay not procure aconsumer reportfor purposes of reselling the report ( or any information in the report ) unless thepersondiscloses to theconsumer reporting agencythat originally furnishes the report ( A ) the identity of the end-user of the report ( or information ) ; and ( B ) each permissible purpose undersection 1681b of this titlefor which the report is furnished to the end-user of the report ( or information ).

1681e ( e ) ( 2 ) Responsibilities of procurers for resale Apersonwho procures aconsumer reportfor purposes of reselling the report ( or any information in the report ) shall ( A ) establish and comply with reasonable procedures designed to ensure that the report ( or information ) is resold by thepersononly for a purpose for which the report may be furnished undersection 1681b of this title, including by requiring that eachpersonto which the report ( or information ) is resold and that resells or provides the report ( or information ) to any otherperson ( i ) identifies each end user of the resold report ( or information ) ; ( ii ) certifies each purpose for which the report ( or information ) will be used ; and ( iii ) certifies that the report ( or information ) will be used for no other purpose ; and ( B ) before reselling the report, make reasonable efforts to verify the identifications and certifications made under subparagraph ( A ). 

the bankruptcy court states that they do not report to the consumer reporting agencies! Delete the unverifiable inaccurate account from all consumer reports and anyone you furnished this erroneous information to. 

Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX

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