Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX XXXX XXXX ( XXXX ) and Experian for multiple violations, including inaccurate credit reporting, failure to validate debt, failure to investigate disputes, and identity theft, which have caused significant harm to my creditworthiness and well-being. 

BACKGROUND : XXXX XXXX XXXX ( XXXX ) is reporting an alleged debt of {$410000.00} ( Account Number : XXXX ) on my credit report, which is inaccurate and unverified. Despite numerous written requests for validation and proof of claim, XXXX  has failed to provide documentation verifying the legitimacy of this debt. 

Both XXXX and XXXX have removed this account from my credit report after recognizing the inaccuracies. However, Experian has failed to take similar action despite being provided with the same information. Experian has failed to conduct a proper investigation of my dispute and continues to publicize inaccurate information, causing harm to my reputation creditworthiness. ( See Exhibit X ) Furthermore, XXXX XXXX XXXX  has confirmed themselves that the account holder is a business. In addition, the alleged holder of the debt instrument in which XXXX  claims to be servicer for, XXXX XXXX XXXX XXXX, has explicitly stated that I am not a necessary party to the transaction, confirming that the debt is not valid and should not be reported on my credit file. ( See Exhibit Y ) I have mistreated and disregarded by the above mentioned entities and forced to file an identity theft report with the Federal Trade Commission ( FTC ) as these entities have used my name for unjust profits while slandering my reputation. ( See Exhibit Z ) STATEMENT OF FACTS : On XX/XX/XXXX, XXXX XXXX XXXX received a NOTICE I via certified mail ( USPS Certified Mail Receipt XXXX XXXX XXXX XXXX XXXX ) demanding validation and proof of claim for the alleged debt. To date ( 823 Days ), I have not received an appropriate response or documentation. Subsequent Notices are as follows : NOTICE XXXX ( USPS Certified Mail Receipt : XXXX XXXX XXXX XXXX XXXX ) NOTICE XXXX ( USPS Registered Mail Receipt : RE XXXX XXXX XXXX XXXX ) NOTICE XXXX ( USPS Registered Mail Receipt : RE XXXX XXXX XXXX XXXX ) NOTIVE V ( USPS Certified Mail Receipt : XXXX XXXX XXXX XXXX XXXX XXXX ) On XX/XX/XXXX, Experian had received my first dispute ( NOTICE I ) of the inaccurate information via USPS Certified Mail Receipt XXXX XXXX XXXX XXXX XXXX ( 833 Days ago ). While XXXX and XXXX have removed the account, Experian has failed to correct or remove the inaccurate information from my credit report. Subsequent Notices are as follows : NOTICE XXXX ( USPS Certified Mail Receipt : XXXX XXXX XXXX XXXX XXXX ) NOTICE XXXX ( USPS Certified Mail Receipt : XXXX XXXX XXXX XXXX XXXX ) On XX/XX/XXXX, I was I forced to file an identity theft report with the FTC, which further substantiates that the debt is fraudulent and that XXXX and Experian have acted unjustly. ( See Exhibit Y ) Please also note, XXXX has been in receipt of the Identity Theft Report since XX/XX/XXXX at XXXX via NOTICE V. 


VIOLATIONS : XXXX XXXX XXXX : XXXX. 18 U.S. Code 1341 : Reporting unverified and inaccurate information to credit bureaus.

2. 15 U.S. Code 1692e : Using false, deceptive, or misleading representations in connection with debt collection.

3. 15 U.S. Code 1692f : Using unfair or unconscionable means to collect or attempt to collect a debt.

4. 15 U.S. Code 1692g : Failure to provide validation of the debt upon request. Under 1692g, a debt collector must cease collection activities until they provide verification of the debt or a copy of a judgment.

5. 15 U.S. Code 1681s-2 : Furnishing inaccurate information to credit bureaus. XXXX is required to investigate disputes and correct inaccuracies upon notification from a credit bureau. 



6. Defamation and Slander : The false reporting of this alleged debt constitutes defamation and slander under state common law, as it has harmed my reputation and creditworthiness. 

Experian : XXXX. 15 U.S. Code 1681n and 1681o : Willful and negligent noncompliance with the FCRA for a subtotal of Twenty-Seven ( 27 ) counts per violation for a grand total of Fifty-Four ( 54 ) counts.

2. 15 U.S. Code 1681i : Failure to conduct a reasonable investigation of my dispute and correct inaccurate information. Under 1681i, Experian is required to investigate disputes within 30 days and remove or correct inaccurate information which it has failed to do over Three ( 3 ) times.

3. Defamation and Slander : By continuing to report inaccurate information, Experian has engaged in defamation and slander for a total of Twenty-Seven ( 27 ) counts under state common law, as it has harmed my reputation and creditworthiness. 

MEMORANDUM OF LAW : Pinson v. JPMorgan Chase Bank, NA, No. 16-17107 ( 11th Cir. 2019 ) : The court held that a consumer has standing to sue under the FCRA for a furnishers failure to investigate a dispute. This case supports my claim that SPS and Experian failed to investigate my dispute properly.

Cowans v. Equifax Information Services , Inc., No. 20-3368 ( 7th Cir. 2021 ) : The court affirmed that consumers have the right to dispute debts and require credit reporting agencies to investigate such disputes.

Frazier v. Equifax Information Services, LLC, No. 23-2355 ( 7th Cir. 2024 ) : The court ruled that credit reporting agencies must ensure the accuracy of reported information. This case underscores XXXX obligation to correct inaccuracies in my credit report. 

Zachary Moore vs. Alliant Credit Union, 2024CV30075 ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) : The court ruled in favor of XXXX XXXX, holding that foreclosure proceedings initiated by XXXX XXXX XXXX, based on a mortgage loan derived from fiat currency, violated his constitutional rights under the Fifth, Thirteenth, and Fourteenth Amendments. 

INJURY : The inaccurate reporting of this account has caused significant harm, including : XXXX. Defamation of Character : The false reporting has damaged my reputation and creditworthiness.

2. Financial Harm : I have been denied credit, charged higher interest rates, and faced obstacles in financial transactions due to the inaccurate reporting. 

XXXX. Emotional Distress : The stress and XXXX  caused by these violations have impacted my well-being. 

DOCUMENTATION : I have attached the following documents to support my complaint : Exhibit X : Report showing XXXX and XXXX showing the removal of the account. 

Exhibit Y : Documentation from XXXX XXXX XXXX XXXX Attorney stating that I am not a necessary party to the transaction. 

Exhibit Z : Copy of the FTC identity theft report. 

Any additional evidence supporting my claim can be produced upon request.