Consumer complaint received 2024-08-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Violations 1. Consumers Right to Privacy ( When a 3rd party came in and Furnished my account. Trust was broken. Which shows me XXXX, XXXX, Experian will allow a 3rd party to act as if I did a contract with them and the entire time your company could of sold my information for all I know to some random LLC that could furnish my Identity. Which in fact did happen. 15 USC Code 1681 section 602 2. You need my written consent to add anything to my consumer report if I did not give you this authorization that is a violation of the fair credit report act.

3. Reporting Transaction history is Illegal 4. 12 CFR 1022.3 Definitionso Identity theft means a fraud committed or attempted using the identifyinginformation of another person without authority.

5. 15 U.S. Code 1681c-2 - Block of information resulting from identity theft * Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of appropriate proof of the identity of the consumer ; a copy of an identity theft report ; the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Ive had multiple fake furnishing companies contact me within time while Im working knocking at my door while Im working. These are two more violations that you have committed. A strange lady knocked at my door. Stood there and asked if XXXX was there and through paper in my house when XXXX was at its peak. My wife and mother in law got XXXX and I got sick as well. These are very high violations. Bothering me during working hours while working on my business also disturbing my peace. Think about it a stranger not only knows where I was resting my head but had the audacity to through paper at me in the place I rest my head. ( We are at 10 violations so far ) 6. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may fumish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 168lb of this title.

7. ( b ) Accuracy of report 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 about whom the report relates. 
* By violating section 1681b for permissible purpose and 1681c for information contained in consumer reports they are also violating compliance procedures under this title.

* * 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 * ( 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 ; I AM Entitled to {$1000.00} per violation per FCRA I sent out 9 Certified mail complaints regarding this matter. As a result my business was turned down {$100000.00} business loan because inaccuracies on my Credit profile. 

I went to XXXX to get a new car for my Company and was denied. The amount for the car was {>= $1,000,000}. 

For over 4 years Ive been under duress. 

Also this has interrupted my pursuit of happiness. Under standing Ive been violated and I have not yet filed complaints with the OCC, FTC and the SEC for Securities FRAUD! If I do not get what I ask for I will go after Experians CEO for SECURITIES FRAUD. 

You are in major violations and you must make this right or I will see you in court. 

* Every company in their agreements with consumers said they would follow the law and agreed to do so. They are aware that they are breaking the law. 
* 15 U.S. Code 1681o - Civil liability for negligent noncompliance * In general * Any person who is negligent in failing 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 ) any actual damages sustained by the consumer as a result of the failure * Negligent noncompliance means the law was violated not on purpose but just due to a lack of knowledge on the required reporting procedures.

* 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies * ( l ) Prohibition * ( A ) Reporting information with actual knowledge of errors * A person shall not fumish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
* ( B ) Reporting information after notice and confirmation of errors * A person shall not furnish information relating to a consumer to any consumer reporting agency if- * ( ithe person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and * ( the information is, in fact, inaccurate. 
* Once you notify the consumer agencies that there is inaccurate information they must immediately stop reporting that information until they can prove that it is valid. 
* Those are a few violations of the Fair Credit Reporting Act that you can use in your complaint against not only the reporting agencies but the furnisher of that information to them. 
You have also Violated the Privacy Act of 1974 Accounts * Remove any old or duplicate addresses from your report It is a non mailable address * Remove any old or duplicate phone numbers * Remove any variations of your name that are incorrect

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