Consumer complaint received 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Notice to all, I am that I am, the consumer in fact, natural person, creditor, lender, executor, administrator, holder in due course of any and all derivatives thereof for the Surname/given name XXXX XXXX XXXX XXXX Trust , and have been appointed and accept being the executor both public and private for all matter proceeding, and I hereby claim that I will D/B/A XXXX XXXX and autograph as the agent , attorney in fact. This is NOT a validation request so do not send any validation, if you do I will TAKE LEGAL ACTION AGAINST YOUR COMPANY. A Social Security Number ( SSN ) is used by employers and employees for the purpose of reporting individual employee earnings for tax purposes only. You DO NOT have my CONSENT to use my social security number for commercial gain acting as usufructuary of my services, you are committing fraud and Identity theft and I will contact the ofce of Inspector General SSA and le a report with the federal authorities. I have suffered identity theft and power of attorney fraud by the following companies. Pursuant to Matson V. First American Credit, a United States Court of Appeals for the Ninth Circuit in 2001 ruled and emphasized that for a creditor to rely on a consumer 's consent, it must be informed and voluntary. Mere inclusion of a consent provision in a contract does not automatically establish informed and voluntary consent. The financial institution must demonstrate that the consumer explicitly provided consent, indicating their understanding and agreement to have information reported to credit bureaus. Pursuant to FCRA 605b and 15 USC 1681 c-2 i demand the account be removed and blocked from my reporting or you may be held liable for noncompliance pursuant to 15 USC 1681o and 15 USC 1681n . My consumer reports by LAW are supposed to match because XXXX, XXXX and EXPERIAN have a notification system and are supposed to notify each other to maintain fair and accurate reporting. The term file, when used in connection with information on any consumer, means all of the information on that consumer recorded and retained by a consumer reporting agency regardless of how the information is stored. In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. consumer reporting agency that compiles and maintains files on consumers on a nationwide basis The term consumer reporting agency that compiles and maintains files on consumers on a nationwide basis means a consumer reporting agency that regularly engages in the practice of assembling or evaluating, and maintaining, for the purpose of furnishing consumer reports to third parties bearing on a consumers credit worthiness, credit standing, or credit capacity, each of the following regarding consumers residing nationwide : 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person ; or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance ; ( ii ) the consumer reporting agency has complied with subsection ( e ) ; ( iii ) there is not in effect an election by the consumer, made in accordance with subsection ( e ), to have the consumers name and address excluded from lists of names provided by the agency pursuant to this paragraph ; and ( iv ) the consumer report does not contain a date of birth that shows that the consumer has not attained the age of 21, or, if the date of birth on the consumer report shows that the consumer has not attained the age of 21, such consumer consents to the consumer reporting agency to such furnishing. YOU DO NOT HAVE PERMISSIBLE PURPOSE!!! and i have the right to OPT OUT!!!

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 non-monetary relief