Consumer complaint received 2024-03-18 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:
In accordance with the Fair Credit Reporting Act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 and under 5 USC 552a The Privacy Act of 1974. 
On XX/XX/XXXX i the consumer order my XXXX XXXX XXXX from XXXX XXXX XXXX and Clarity Services which are ( third-party companies ) and notice identity theft, illegal transactions, fraud, and my private nonpublic information without explicit written or verbal permission from me. So i called both of these ( consumer reporting agencies/third-party companies ) and asked, one of the employees at early warning how did they get my nonpublic personal private information. Their response was that The Financial Institutions which are my XXXX ( Banks ), XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. When i asked the people how is that when under my banks private policy under their terms and conditions it clearly states we do not share consumer personal information to non-affiliates which at the time they granted to me at the time of opening my account. The people had no answer. I also ask for XXXX disclosures forms, also my wet ink signature with their wet ink signature and the contract with my explicit written or verbal permission. I'm still waiting on the documents from early warning. 

Also Clarity violated my privacy rights by sharing my nonpublic private personal information and hard inquiries with Experian, and XXXX XXXX XXXX they stole, sold and traded my information without my written consent with XXXX another. This is identity theft, this conspire They are teaming up on me the ( consumer reporting agencies, and the financial institutions ) to collect my information to make money. I the consumer was not involved in these transactions. this is unlawful they are joining up to commit a crime under the law 18 USC 894. it is illegal to report transaction history. here are some laws and documents that will prove my statement.

15 U.S. Code 1681b - Permissible purposes of consumer reports.

15 U.S. Code 1692j - Furnishing certain deceptive forms.

18 U.S. Code 894- Collection of extensions of credit by extortionate means.

15 U.S. Code 1681- Congressional findings and statement of purpose.

15 U.S. Code 1681c2 - Block of information resulting from identity theft.

15 U.S. Code 1681d - Disclosure of investigative consumer reports.

15 U.S. Code 1681o - Civil liability for negligent noncompliance.

15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( 
A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;.
5 U.S. Code 552a - Records maintained on individuals.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 6801 - Protection of nonpublic personal information 15 U.S.C 1681 section 602 A. I have the right to privacy.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 15 U.S. Code 1681c 
- Requirements relating to information contained in consumer reports Here are the accounts, dates and inquiries on the my report. 
Account Name : XXXX XXXX XXXX XXXX : Account Numbers : : XXXX : Account # : XXXX : Account # : XXXX : Account # : XXXX : Account Name : XXXX XXXX : Account # : XXXX

Company response to consumer: Closed with explanation