Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #9805309

Complaint Overview

Complaint ID: 9805309

Company: Experian Information Solutions INC.

Product: Credit reporting or other personal consumer reports

Sub-Product: Credit reporting

Issue: Improper use of your report

Sub-Issue: Reporting company used your report improperly

State: California

ZIP Code: 92407

Date Received: 2024-08-14T12:00:00-05:00

Date Sent to Company: 2024-08-14T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

To Whome It May Concern : Notice letter notice to agent is notice to principal notice to principal is notice to agent ( XXXX XXXX XXXX ) Pursuant Regulation F, XXXX CFR 1006, 15 USC 1692 I have exercised my specified remedy and sent you on XXXX XXXX A notice of debt validation. You ( XXXX XXXX XXXX ) collections have violated my Rights pursuant 12 CFR 1006.34 ( c ). You Failed to provide all the required Documentation as per my request under the new rule Regulation F and Validation of debt. The law is explicitly clear, ignorance of the law is no excuse. Your 30 day Debt validation period has ended and you FAILED TO PROVIDE ALL REQUIRED validation Information AS PER THE LAW 12 CFR 1006.34 ( c ) Validation information. Pursuant to paragraph ( a ) ( XXXX ) of this section, a debt collector must provide the following validation information. All collection activities on this Alleged Debt that you failed to provide validation within the 30 day period allowed by Federal law Pursuant 12 CFR 1006.34 ( c ) Must be DELETED Immediately. I will be Sending copies of this and all correspondences to ; CFPB Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX State Attorney General ( CA ) Attorney General ( MN ) Federal trade Commission Legal Complaint Department Bureau of Consumer Protection Federal Trade Commission XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Tel. XXXX Fax. XXXX XXXX You have been warned I will pursue legal action if this account is not deleted in 15 Days from receipt of this Final notice. I will seek damages, actual damages, statutory damages, Plus all remedies adored to me under the civil liability section of the FDCPA and or Regulation XXXX ALSO THERE WAS NO WRITTEN PERMISSION OR PERMISSABLE PURPOSE OF REPORTING INACCURATE INFORMATION 15 U.S. Code 1681b Permissible purposes of consumer reports U.S. Code Notes Prev | next ( a ) IN GENERALSubject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. ( 3 ) To a person which it has reason to believe ( A ) Intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ( a ) IN GENERALSubject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. ( 3 ) To a person which it has reason to believe ( A ) Intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer 15 U.S. Code 1681a - Definitions ; rules of construction U.S. Code Notes pre v ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. ( c ) The term consumer means an individual. ( d ) CONSUMER REPORT. ( 1 ) IN GENERAL.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ;

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