Consumer complaint received 2024-06-22 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: TX

Complaint narrative:
As shown in attachment XXXX has deleted XXXX XXXX XXXX due to its violations. However I am continuing to report Experian for violation of my private information being furnished by illegal debt collector practices. Experian has no right to coerce, accompany or otherwise engage in efforts with other entities in causing damage or harm to consumer. Attached is a dispute update concerning XXXX XXXX XXXX as being reported accurately which is not my claim. My claim has to do with the safety concerns with my private and personal information being exposed causing damage, harm and risk of identity theft. I never authorized or had any such agreement with XXXX XXXX XXXX. Experian has not shown evidence of validity or evidence account is or not verified. Experian is acting as owner of i the consumer and my consumer report and I have never authorized or granted any such power. If i did then I must revoke and rescind. I demand this XXXX XXXX XXXX account be block and deleted immediately from my consumer report. 

I recently filed dispute of my concerned interest in my personal and private account information being shared by XXXX XXXX XXXX and its parents or successors and demand for the safety of possible identity theft, fraud, or other breaches and extortion risk that I exercise my right to privacy and opt out of XXXX XXXX XXXX and its parents or successors sharing my private and personal account transactions, experiences, history and record with any consumer reporting agencies. You are attempting to create distress, misinformation, abusive debt collections, misrepresentation of character, financial injury and risk exposure of discrimination and identity theft of private information. I demanded unless they can warrant or guarantee the safety of my information to which can show I burden no risk from their activities then they are to cease and desist all sharing and reporting of my information to 3rd parties, non-affiliates and consumer reporting agencies or in other words NON GOVERNMENT AGENCIES. XXXX XXXX XXXX and its parents or successors continues to violate consumer protection laws against me and I am concerned that my private information isn't safe and is in danger of identity theft, fraud, and trafficking due to the sharing, storing and furnishing of my information. I requested to opt out of those activities including debt collection but XXXX XXXX XXXX and its parents or successors continues to violate various transactional and privacy laws. I ask that the CFPB enforce actions against XXXX XXXX XXXX and its parents or successors and its assigns, affiliates and non affiliates on handling my private accounts. FCRA 15 U.S. Code 1681b ( a ) 2 Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Subject to the jurisdiction of the State of Texas and its Texas Debt Collection Act, you are not licensed to do business here in this State according to both nmls and their own websites. They are being abusive and I have the right to request deletion of personal information and opt out of sale of personal information for my privacy and safety of personal information. PLEASE PROCESS OPT OUT OF SELLING AND SHARING PERSONAL INFORMATION & DELETE PERSONAL INFORMATION. DELETE FROM PERSONAL CONSUMER CREDIT REPORT IMMEDIATELY. According to XXXX XXXX XXXX Sec. 392.101. BOND REQUIREMENT. ( a ) A third-party debt collector or credit bureau may not engage in debt collection unless the third-party debt collector or credit bureau has obtained a surety bond issued by a surety company authorized to do business in this state as prescribed by this section. A copy of the bond must be filed with the secretary of state. ( b ) The bond must be in favor of : ( 1 ) any person who is damaged by a violation of this chapter; and ( 2 ) this state for the benefit of any person who is damaged by a violation of this chapter. ( c ) The bond must be in the amount of {$10000.00}.

15 U.S. Code 1692c ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. If such notice from the consumer is made by mail, notification shall be complete upon receipt. 15 U.S. Code 1692a - Definitions ( 2 ) The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject tosection 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ;

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