Consumer complaint received 2025-01-21 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: AL

Complaint narrative:
This formal complaint is presented to address the unlawful use of credit reports by financial institutions and credit reporting agencies, including but not limited to XXXX, Experian, and XXXX. Credit reports constitute private property owned solely by the individuals whose financial data they represent. The unauthorized dissemination and utilization of this information violate property rights protected by the U.S. Constitution and relevant statutory laws.

This document outlines specific legal violations, including the unauthorized dissemination of private financial data, the misuse of credit reports without consent, and violations of constitutional property rights. It provides supporting evidence and demands immediate corrective actions by the agencies addressed herein.

KEY POINTS OF CONCERN 1. Credit Reports are Private Property Legal Basis : The personal identity, financial agreements, and transaction histories contained within credit reports are private property as defined under Article IV, Section 3, Clause 2 of the U.S. Constitution.

The Supreme Courts decision in XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), established that private property can not be taken or used without consent or just compensation.

Statutes at Large, Vol. 48, p. 112, further reinforces protections against the unlawful use of private property.

Violation : Credit reporting agencies and financial institutions have utilized and disseminated financial data without the explicit consent of the individual. This practice effectively appropriates private property for their gain.

Examples : Incorrect information on credit reports, such as accounts that do not belong to the complainant, is reported without verification.

Unauthorized inquiries from unknown sources are recorded without consent.

2. Unlawful Public Reporting Without Consent Legal Basis : Dissemination of financial information without the explicit consent of the individual is prohibited under statutory and constitutional protections.

Statutes at Large, Vol. 74, p. 451, outlines prohibitions against unauthorized data sharing and privacy violations.

Violation : The public and private sharing of personal financial information by credit reporting agencies without consent infringes on individuals right to privacy.

Examples : Incorrect personal information such as wrong dates of birth, addresses, or names is shared with third parties.

Improperly marked account statuses ( e.g., closed accounts shown as open ) cause harm to individuals ' reputations.

CERTIFICATION AND VERIFICATION I hereby certify that the information contained in this complaint is true and accurate to the best of their knowledge. This presentment is made under penalty of law and attested on this XXXX XXXX XXXX XXXXXX/XX/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