Consumer complaint received 2024-08-20 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: CA

Complaint narrative:
I am writing this letter to dispute the following account/s : ( XXXX XXXX XXXX Department of XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Agency ) Last 4 SSN- XXXX Participant id number : XXXX Case Number : XXXX Alleged balance : XXXX This agency is in violation of - Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681b and 15 USC 1681e The FCRA specifically governs the permissible purposes for accessing and reporting consumer information. Reporting inaccurate or unauthorized information violates the FCRAs requirements for accuracy and permissible purpose for accessing and reporting consumer information.15 USC 1681e also states that 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. Experian, XXXX and XXXX are not maintaining reasonable procedures & I demand the above account deleted from my consumer report The ( XXXX XXXX XXXX Department of XXXX XXXX XXXX ) ( XXXX ) have unlawfully reported the unauthorized accounts to my consumer report. I have recently received communication from the ( XXXX XXXX XXXX Department XXXX XXXX XXXX XXXX ) attempting to collect the above-listed alleged debt. Your initial communication to me in attempt to collect the alleged debt was within 30 days ago. Please be advised that I hereby dispute the validity of the alleged debt listed above in its entirety. Further, I request verification, Validation and proof that this alleged Debt and is mine! In addition I want proof of, a copy of a contract or agreement. The Said contract or agreement must be with the original creditor and signed by all parties involved. You are illegally attempting to collect the above-listed alleged debt and money that I do not owe. Cease and desist all collection activity, including all reporting to consumer reporting agencies.I Promptly request deletion of any and all prior reporting made to any consumer reporting agencies on my behalf. If you comply with my requests above within 14 days, then you are excused from verification. I have not given you written permission to put anything on my consumer report. 15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( b ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( c ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. 15 USC 1681 a 4 speaks on a consumer right to privacy. 15 USC 1692 speaks further on a consumers right to individual Privacy. Under The Privacy Act the ( XXXX XXXX XXXX Department of XXXX XXXX XXXX ) have violated my rights to Privacy under FCRA 15 USC 1681 and the FDCPA 15 USC 1692. I will not tolerate identity theft nor infringement & harassment, I am a litigious consumer & will not hesitate to take legal action and sue! I will sue for infringement of my right to privacy for advertising if actions arent taken immediately on this alleged debt on my consumer reports that I do not owe and you have no lawful or legal right to collect on. Child Support or Title IV-D is contractual Law and there must be an agreement where the Non-Custodial Parent is Enrolled into the program. When and where did I enroll in this program? Send me the contract bearing my endorsement/ Signature between me ( XXXX XXXX XXXX and the Head of the XXXX XXXX  Agency or XXXX XXXX XXXX  which is An obligation Arising from contract of the parties or the operation of the law. No Contract XXXX XXXX XXXX. It is unlawful for the advertisement of any debt to coerce payment, stop harassing me! 15 U.S. Code 1692d - Harassment or abuse ( 4 ) The advertisement for sale of any debt to coerce payment of the debt. offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A and 15 USC 1681q. The ( XXXX XXXX XXXX Department of XXXX XXXX XXXX ) ( DCSS ) has knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. I am writing this letter to dispute the following above account/s ( see top of dispute page ) This agency is in violation of 15 USC 1692gb . This is an official dispute and report of identity theft of this account & I demand the above account deleted from my consumer report. Thank you, XXXX XXXX XXXX

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