Consumer complaint received 2018-12-11
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have been a victim of identity theft. My DC police report number is XXXX. I can submit this upon request.I submitted my identity theft to the consumer financial protection bureau, the credit bureaus, as well as the creditors. EVERYTHING ON MY CREDIT HAS BEEN FRAUDULENTLY PURPORTED AND THE PROMISSORY NOTES ASSOCIATED WITH IT HAVE BEEN USE FOR MONETIZATION WITHOUT MY CONSENT. I DEMAND A FULL INVESTIGATION INCLUDING, BUT NOT LIMITED TO, THE ENFORCEMENT AND ASSIGNMENT IN WHICH I GAVE VALUE TO, PROOF THAT THE CREDITORS HAD ANY LAWFUL RIGHT TO USE MY CREDIT ENTRY AND AUTHENTICATION, FULL COMPREHENSIVE ACCOUNTING THAT ILLUSTRATES THE DEBIT ENTRY AND CREDIT AND CREDIT ENTRY INTO THE ACCOUNTING UNDER EACH ACCOUNT NUMBER. I REQUIRE ACCOUNTING RECORDS AND THE CONTRACT, THE " WET INK SIGNATURE CONTRACT, '' OR A COPY OF THE CONTRACT THAT IS AFFIDAVITED FOR VERIFICATION. IF THIS IS NOT ABLE TO BE PRODUCED, BY LAW, THE DEBT SHALL BE DELETED.This constitutes legal notice under federal law that regulates the activities of collection agencies and their representatives. 
They are hereby notified, under provisions of Public Law 95-109, Section 805-C, THE FAIR DEBT COLLECTION PRACTICES ACT to hereby CEASE AND DESIST in any and all attempts to collect the above debt. 
Pursuant to the Fair Debt Collection Practices Act. 15 U.S.C.A 1601.1692 et al. this constitutes timely written notice that, I decline to pay the attached erroneous purported debt which is unsigned and unattested, and which I discharge and cancel in its entirety, without dishonor, on the grounds of false representation and fraud. No judgment has been entered on this matter. 
15 U.S.C. 1692 ( e ) states that a " false, deceptive, and misleading representation, in connection with the collection of any debt, '' includes the false representation of the character or legal status of any debt. I have incurred no liability for this debt. 
Said Notice contains, false, deceptive and misleading representations, and allegations intended to pervert the truth for the purpose of inducing me, in reliance upon such, to part with property belonging to me and to surrender certain substantive legal and constitutional rights. To act upon this Notice would divest me of my property and my prerogative rights, resulting in a legal injury to me. 
Pursuant to 15 U.S.C. 1692g ( 4 ), Validation of Debts, they did NOT have evidence to validate their claim that the attached presentment does not constitute fraudulent misrepresentation and that I owe this alleged disputed debt. 

Until the requirements of the Fair Debt Collection Practices Act have been met and your claim is validated, they have no jurisdiction to continue any collection activities against me in this matter. I sent a constructive notice that, absent the validation of their claim within 30 days, they must cease and desist any and all collection activity and are prohibited from contacting me, through the mail, by telephone, in person, at my home, or at my work. But they failed to uphold the law. Their failure to do so is suppose to be a result in charges being filed against you with the State and Federal regulatory agencies empowered with enforcement. Im looking for proper remedy in which case to have this removed from my personal credit 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