Consumer complaint received 2025-02-08 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: FL

Complaint narrative:
Experian XXXX XXXX XXXX 
XXXX, TX XXXX Credit Reporting Agency shambles investigation Failed Violations in this investigation 1. ) trying to collect a charge off you dont have legal rights too.

2. ) Furnishing deceptive forms.

3. ) False and misleading representation Collection of extensions of credit by extortionate.

4. ) Aggravated identity theft.

5. ) Sharing non-public personal information.

6. ) Willful noncompliance.

7. ) I would like to see the bill of sales and any documentation how account transitioned To whom this may concern I've recently come across that your company Experian is being sued by the CFPB for not properly investigating consumer matters. 15 USC CRA requirements refers to the regulations outlined in the Fair Credit Reporting Act ( FCRA ) under 15 U.S. Code 1681, which governs how consumer reporting agencies ( CRAs ) can collect, store, and disseminate consumer credit information, essentially requiring them to ensure accuracy, fairness, and privacy in consumer reports while also notifying consumers of their rights to access and dispute information within their reports. 
The FCRA says your company is obligated to report accurately, fairly and uphold my privacy as a consumer. Your company did not provide a fair and accurate investigation. If you did you would know the only way a company can pass a consumer nonpublic personal information is by common ownership. XXXX XXXX XXXX and Resurgent capital service, is not owned by XXXX XXXX  therefore should not have my nonpublic personal information to report on my consumer report. 
This is a direct result of aggravated identity theft. Experian will be held accountable. 
Trying to collect a charge off that XXXX XXXX XXXX and XXXX XXXX does not have the legal authority to do so is a violation. 
18 U.S. Code 1028A - Aggravated identity theft Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.

Sending false validation letters through the mail is concerned mail fraud and trying to collect money for this scheme is called extortion.

18 U.S.C. 1341 is a federal law that defines mail fraud. It states that mail fraud occurs when someone uses the U.S. mail to further a criminal act, such as by : Devising a scheme to defraud, Intending to perform fraudulent acts, Mailing something to execute the scheme, and Making false representations.

18 U.S.C 884- Collection of extensions of credit by extortionate means ( A ) whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means. ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonpayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both.

15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements.

Now that we explain that taking a personal nonpublic personal information is concerned by federal law aggravated identity theft. Experian should of blocked it in a fair and accurate investigation.

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

As a CRA you are obligated to provide accurate fairness and full privacy. Your company failed at this.

15 U.S. Code 1681e - Compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose.

( 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.

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