Consumer complaint received 2023-05-02
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Notice and correspondence. 
To all consumer agencies and credit Reporting companies. 
This is an official notice and documentation. 
For lawsuit preparation. 
XXXX  XXXX and Experian, Have been repeatedly notified of inaccurate credit reporting. For, XXXX XXXX and Experian have been informed by declaration of facts to remove Several Negative accounts from my credit profile. 
Per the fair debt Collection practice act. 
I have several accounts that were fraudulently VERIFED. 
All credit reporting agencies have been contacted and notified to remove those accounts from my credit profile. 
All documentation has been communicated to the credit agencies without a proper response. 
This statement is evidence and a notice for future court proceedings also. 
This statement will be used in pursuit of a declaratory default judgment. 
In conjunction with a court filed a lawsuit, a charge to all credit Companies XXXX XXXX and Experian of {$1000.00} per negative reported account that equals {$5000.00}. 
Failure to properly respond. 
All three agencies will be expected to respond within 10 days. 
An unrebutted declaration of facts is the truth in Commerce.

To whom it may concern : Please note that this is not a refusal to pay off the account, but a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C. 1692 ( G ) Section 809 ( B ).

The following points of Reference and consideration Exclusively for all updated credit information Update all credit accounts according to 611 of the fair dept collection practice act.

The attached statement shows and concludes that all 3-credit bureaus Are not accurately reporting information on the attached credit profile Update information accordingly to reflect Accurate information for all three credit companies in conjunction.

Point of action update credit report According to section 1681 of the fair declaration practice act permissible purpose law The attached credit profile and credit owner has notified all Noted creditors. 
To cease reporting and has opted out of credit reporting for the attached mentioned accounts therefore all credit agencies must remove those accounts from reporting in the consumer credit report. 
Failure to do so will lead to a lawsuit and will be used as evidence in court. 
This is an official notice to cease Credit reporting. 
On the attached and mentioned accounts This is an official statement of reporting opt out according to permissible purpose law in the fair debt collection practice at. 

Point of reference Several credit accounts have been compromised due to fraud and unauthorized charges creditors and agencies have been notified to continue to report Fraudulent information is illegal and could also lead to a lawsuit see attached FTC Affidavit and Police report for more information. 


Be Advised to check Code 15 USC 1681b.

I would like to inform you that in case your agency has reported invalidated account information to any of the three main credit bureaus such as XXXX, XXXX, Experian, then it will be regarded as a fraudulent action under both federal and state statutes. Due to this reason, if any negative item is reported to any of my credit reports by your agency or the agency that you represent & credit bureau, then I will be compelled to take legal steps against you for the below mentioned reasons : Accounts in question ( Requested information ) REMOVE THE FOLLOWING ACCOUNTS DUE TO FRAUD

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