Consumer complaint received 2023-06-29
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following information is inaccurate and doesn't belong to me and is fraud. I demand immediate removal and block from future reporting. Failure to remove will result in a lawsuit. This information has damaged my credit and kept me from purchasing my home. Late payments are considered credit transactions it is illegal to report this credit transaction which is a violation of the FCRA these items have dropped my score over 200 points I am prepared to exercise my consumer rights and take every bureau to court proving I never gave authorization to any of these companies. Credit bureaus do not have authority to report any of the information on my credit report right to privacy. The law states all information must be reported accurately or be deleted. Attatched is as demand letter an intent to sue the credit bureaus if this information is not deleted from my credit bureau immediately Until I fully understand this tradeline, I never had this information I wont know whether I should dispute either the credit reporting or its underlying debt pursuant to FCRA, FDCPA, or other applicable statutes. Please know that I have received authoritative 15 U.S.C. 1679a ( 3 ) assistance in framing and sending this reasonable request and that I stand ready to escalate further should I not receive the information within 30 days because you may have seriously damaged my rights, personal reputation, and financial standing. For that reason, I am demanding very specifically the following information The following accounts listed above and in this paragraph : In accordance with Fair Credit Reporting Act, Original creditor : All Dept of Ed XXXX XXXX. Accounts with different balances. # XXXX, 15 USC 1681 section 602 A States the rights to privacy. 15 USC 1681 section 604 section 2. It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 166B A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason. 15 USC 15 USC 6802 B, c, d obligation with respect to disclosure 1681 A and E term investigative needs to be interviewed.

Please let it be known the other credit bureaus have removed these items due to inaccuracies and failure to provide evidence.

All late payments are illegal. 15 USC 166B A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason. 15 USC 15 USC 6802 B, c, d obligation with respect to disclosure 1681 A and E term investigative needs to be interviewed. 

Please be advised I have filed a complaint with the CFPB regarding these inaccuracies complaint # XXXX. Provide a complete log regarding dates and times you attempted to contact me. If this alleged account was established by another party, then please detail your relationship- i.e., whether you are reporting this information as an assignment or whether you have purchased an alleged account outright. Also provide the account details for at least a year leading to this action, as well as any collection fees or interest and, if you are a third-party collector, your license or bond to collect in my state so that I may confirm your identity. Should you be unable or unwilling to answer, then you should respect my consumer and privacy rights and remove the damaging trade line from my credit reports immediately. 
I demand that you show me a copy of the items listed in this letter as well as stated below if you can not produce these items, you must delete them. 

XXXX. XXXX. Validation of the debt-that is, the actual accounting. 
XXXX. 
XXXX. Verification of signed Invoice. 
XXXX. A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered. 
XXXX. Please provide the original do curse and wet signature if you can't provide these items Delete them. 

Moreover, I am formally requesting that you communicate with me only in writing pursuant to FDCPA or related consumer protections. 
Sincerely, :.

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 non-monetary relief