Consumer complaint received 2025-01-28 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1691.

DELETE THESE NEGATIVE ACCOUNTS - 4. Bankruptcy Fraud and Misreporting Case # XXXX ( XXXX XXXX  Bankruptcy ) : Filed XX/XX/XXXX, and dismissed/closed. 

The attached letter from the United States Bankruptcy Court, XXXX XXXX XXXX Georgia ( dated XX/XX/XXXX ) explicitly states that the court does not provide information to credit reporting agencies. 
Your verification of the bankruptcy via the court is false, violating 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). 

XXXX. Unverified Charge-Off Accounts and Reporting Fraud Multiple charge-off accounts, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX remain unverified and fail to meet Metro 2 compliance standards.

These transactions violate 15 U.S.C. 1681a, which excludes certain items from consumer reports.

ALL INQUIRIES 15 U.S.C 1681 Section 602 A stated I have the right to privacy.

15 U.S.C 1681 Section A, section 2, states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX5 U.S.C. 1681c ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following information items : Any other adverse item of information, other than records of convictions and crimes which antedates the report by 7 years.

15 U.S.C 16815-2 ( A ) ( 1 ) A person shall not furnish any information creating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate XXXX XXXX XXXX XXXX Secured Party XXXX XXXX XXXX # XXXX XXXX XXXX, GA [ XXXX ] Last XXXX SSN : XXXX | XXXX : XX/XX/XXXX XXXX 's Fraud Victim Assistance Department XXXX XXXX XXXX XXXX, PA XXXX Experian XXXX Department XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Department XXXX XXXX XXXX XXXX XXXX GA XX/XX/XXXX Subject : Final Demand for Fraud Investigation, Validation, Verification, and Cease-and-Desist Regarding Alleged Debt and Inaccurate Reporting To Whom It May Concern, I am writing to formally dispute and demand immediate resolution regarding fraudulent, inaccurate, and unverifiable information reported under my Social Security Number ( SSN ). This letter also serves as a final demand for validation, verification, and cessation of all related activities under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ), Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ), Uniform Commercial Code ( UCC 1-308, UCC 1-103 ), and all relevant consumer protection laws.

Furthermore, I emphasize that the alleged debts, accounts, and related reporting provide no valuable consideration or benefit to me, the beneficiary, or my ministry. Therefore, their reporting constitutes improper conduct, unjust enrichment, and misrepresentation of obligations that lack enforceable standing. 
The reporting and collection of unverified and fraudulent debts, misuse of my SSN, and inaccuracies in my credit report require immediate resolution. This correspondence also demands the disclosure of the method of verification and procedures followed, per 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ).

Violations and Key Legal Points 1. Violation of Privacy Rights and Fraudulent Credit Reporting Unauthorized access and use of my SSN without explicit consent violates the Privacy Act of 1974 ( 5 U.S.C. 552a ) and 18 U.S.C. 1028 ( Fraud and Related Activity in Connection with Identification Documents ).

The SSN belongs to the Social Security Administration, and any attempt to collect a debt tied to it without verification is unlawful per 18 U.S.C. 8. 


2. False Claims Act and FCRA Violations The fraudulent reporting of debts and misrepresentation of obligations violate the False Claims Act ( 31 U.S.C. 3729 ), which penalizes false claims and misrepresentations. Any fraudulent claims tied to verification, validation, or reporting violate the False Claims Act ( 31 U.S.C. 3729 ).

Failure to maintain accurate credit reporting procedures constitutes violations under 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). 

XXXX. Unverified Charge-Off Accounts and Reporting Fraud Multiple charge-off accounts, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX remain unverified and fail to meet Metro 2 compliance standards.

These transactions violate 15 U.S.C. 1681a, which excludes certain items from consumer reports.

4. Bankruptcy Fraud and Misreporting Case # XXXX XXXX XXXX XXXX  Bankruptcy ) : Filed XX/XX/XXXX, and dismissed/closed. 

The attached letter from the United States Bankruptcy Court, XXXX XXXX XXXX Georgia ( dated XX/XX/XXXX ) explicitly states that the court does not provide information to credit reporting agencies. 
Your verification of the bankruptcy via the court is false, violating 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). 

XXXX. Defamation of Character and Identity Theft The misuse of my personal data has caused harm to my financial reputation, constituting defamation of character under applicable laws.

The unauthorized usage and fraudulent reporting tied to my SSA-89 ( Authorization for the SSA to Release SSN Verification ) and SS5-FR ( Application for a Social Security Card ) constitute identity theft, in violation of 18 U.S.C. 1028 and 18 U.S.C. 1028A.

The unauthorized reporting, transfer, or use of my SSN without lawful authority constitutes aggravated identity theft under 18 U.S.C. 1028A.

6. Securities and Commodities Fraud The fraudulent misrepresentation of financial data and unauthorized claims tied to my identity may also constitute securities and commodities fraud under 18 U.S. Code 1348, which penalizes any scheme to defraud in connection with securities and commodities transactions. 

XXXX. Violations Documented by CFPB Findings Attached are detailed CFPB complaints and consent orders against Experian, XXXX, and XXXX  that highlight systemic violations of the FCRA and CFPA in consumer reporting and dispute resolution processes. 

Issues include failure to reinvestigate disputes adequately, improper handling of consumer data, and ongoing misrepresentations in consumer report processing ( see Attachments 1, 2, and 3 for specific details ).

8. Demand for Method of Verification and Procedural Disclosures You are hereby required to provide documentation on : Signed agreements or contracts proving mutual consent.

Complete payment history and proof of the original creditor.

Names and contact details of verifying entities.

Procedures followed in verifying the alleged accounts.

Action to be Taken Immediately 1. Immediate Validation of Accounts Method of Verification a. As required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), disclose the method of verification used to report the bankruptcy and other accounts, including : i. Names and contact information of verifying entities. 
ii. Procedures followed to validate the accuracy of the reported information. 
Produce legally enforceable documentation validating the alleged debts. 
XXXX. Correction of Records o DELETE all unverifiable, inaccurate, or fraudulent information from my credit report in compliance with FCRA guidelines.

3. Cessation of Collection and Reporting Activities CEASE all collection, reporting, and communication related to these accounts until proper validation is completed, per 15 U.S.C. 1692c ( c ).

4. Enforcement via Governing Authorities Due to repeated non-compliance, I have invoked the following agencies to act on my behalf : Inspector General ( Investigates fraud and abuses ) Postmaster General ( Handles mail fraud and identity theft ) Comptroller of the Currency ( Regulates financial institutions ) Criminal Investigation Division ( CID ) ( Handles fraudulent financial activity ) Federal Bureau of Investigation ( FBI ) ( Handles financial and identity fraud ) Consumer Financial Protection Bureau ( CFPB ) ( Monitors credit and debt collection ) Federal Trade Commission ( FTC ) ( Enforces consumer protection laws ) Legal Action o Pursue remedies under : 15 U.S.C. 1681n : Civil liability for willful noncompliance with the FCRA. 
15 U.S.C. 1692k : Civil liability for FDCPA violations.

18 U.S.C. 1028A : Identity theft penalties.

31 U.S.C. 3729 : False Claims Act penalties.

Seeking Damages o Compensation for : Defamation of character.

Negligent enablement of identity fraud.

Emotional distress and mental anguish.

5. Monetary Damages of {$1000.00} per Violation Per 15 U.S.C. 1681n and 31 U.S.C. 3729, I demand {$1000.00} in statutory damages per violation for each instance of inaccurate or fraudulent reporting, unauthorized access, or failure to validate accounts. 

XXXX. XXXX and Revocation of Power of Attorney Submitted to Federal Agencies All related documentation, including IRS XXXX XXXX and revocation of Power of Attorney, has been filed with appropriate federal agencies. 

XXXX. Written Acknowledgment of Compliance You must confirm in writing the actions taken to resolve this matter within 4 days.

________________________________________ Notice of Rights Reservation This is my final notice and demand for compliance. The alleged debts provide no valuable consideration or enforceable benefit to me as the beneficiary of the SSN or my ministry WALK In XXXX XXXX XXXX Misrepresentation, inaccurate reporting, and lack of validation constitute willful violations of federal law. 

Sincerely, BY : XXXX XXXX XXXX, XXXXecured Party/Sole Beneficiary Without prejudice, XXXX XXXX Enclosures : XXXX. CFPB Complaint against Experian ( XXXX # XXXX ) [ Attachment XXXX ] XXXX. CFPB Consent Order with XXXX ( File # XXXX ) [ Attachment XXXX ] XXXX. CFPB Consent Order with XXXX ( File # XXXX ) [ Attachment XXXX ] XXXX. Bankruptcy Court Letter 5. Social Security Documentation XXXX. Ministry Ordination Certificate 7. Credit Report 8. Certificate of Live Birth 9. Previous Correspondence

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