Consumer complaint received 2025-01-29 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: IL

Complaint narrative:
As you can see from the information above, your agency is not reporting accurate information. According to [ XXXX XXXX XXXX ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. 

You are in violation of the FCRA, [ XXXX XXXX XXXX ] ( a ) ( XXXX ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting. 

My rights were violated, especially my right to privacy, according to [ XXXX XXXX XXXX ] ( a ) ( XXXX ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
I, therefore, request that you immediately delete the items specified above from my consumer file with your agency. Failure to do so will require that I take appropriate legal action. 

All these violations are a direct violation of XXXX XXXX XXXX. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ XXXX XXXX XXXX ] ( a ) ( XXXX ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability. 

I never gave permission to XXXX Account # XXXX to use or to be in possession of any of my identifying information. 

This is a Violation of THE XXXX XXXX XXXXXXXX XXXX XXXX They are harassing me thru email, phone calls, and text. I HAVE NO CONTRACT WITH XXXX- Account # XXXX, I HAVE NO LEGAL OBLIGATION TO PAY XXXX  AND XXXX XXXX XXXX. Cease the reporting of this erroneous and deceptive information on my consumer report. Delete the specified accounts from my consumer report and all your systems. 

I am not requesting validation of any alleged debt as I KNOW NOW that by XXXX- Account # XXXX obtaining my Non Public Personal Information without my lawful authority constitutes Aggravated Identity Theft XXXX XXXX XXXX XXXX FDCPA STATES THAT XXXX- Account # XXXX DOES NOT HAVE THE RIGHT TO CONTACT ME WITHOUT MY CONSENT PRIOR WHICH THEY DO NOT HAVE. XXXX SOLD MY NON PUBLIC PERSONAL INFORMATION TO this debt collection company ''. Based on that I now have reason to believe that THEY ALL are conspiring against me trying to collect on a EXTENSION OF CREDIT through UNLAWFUL extortionate means. 

For damages, I am invoking my rights as a consumer pursuant to XXXX XXXX XXXX ( XXXX ) civil liability, and I demand compensation for every violation listed below ; XXXXPermissible purpose {$1000.00} XXXXDefamation of character {$1000.00} XXXXDamaged reputation {$1000.00} XXXX. Damaged credit worthiness {$1000.00} XXXX. Damaged mode of living {$1000.00} XXXX. Infringed on right to privacy {$1000.00} XXXX. XXXX XXXX XXXX CIVIL LIABILITY {$1000.00}

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