Consumer complaint received 2022-09-27
Company: Experian Information Solutions Inc.
State: IL
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 am distressed that the included information below in my credit profile that the credit bureaus have failed to maintain reasonable procedures in operations to assure maximum possible accuracy in the credit reports being published. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Im a natural person my name is XXXX XXXX and the credit bureaus have violated my rights. Ive sent out dispute letters and conditional acceptance letters also to resolve any issues. 
Refer to 18 U.S. Code 242- Deprivation of Rights under color of law. Also, refer to U.S. Code 241- Conspiracy against rights, your company, and the creditor equals two or more persons conspiring against my rights and privileges secured to me by the U.S. Constitution.

Under penalty of perjury, I swear these accounts are false and misleading.

Under the 15 U.S.C. 1681i ( 7 ) - Method of verification these accounts are in violation it was reported without valid evidence.

Under 15 U.S. Code 1681b- Permissible purposes of consumer reports, I never gave you any written consent to report anything on my consumer reports no consent is fraud.

Under 15 U.S. Code 1692j- Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap.

Under the Fair Debt Collection Practices Act, these disputed items may not appear on my credit report if they can not be supported by any evidence 15 USC 1692 ( g ).

You can not report a late payment or past due on a collection this is a violation of the FCRA.

15 U.S.C 1681 section 602 A, States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not famish an account without my written instructions.

Who in your company verified these accounts? How did they verify them? Please provide me with the name of the individual, business address, and telephone number of the person or business contacted during your reinvestigation.

Items Highly Requested 1. The name of the original creditor. 2. The creditors address and telephone number. 3. The persons name they verified the dispute with. 4. Valid documentation is used to validate the dispute. 5. Also, the procedures your company has in place to ensure each account is 100 % correct which I doubt. 6. IF YOU CANT PROVE IT YOU MUST REMOVE IT OR PAY {$1000.00} per VIOLATION YOU ARE COMMITTING.

The following information is required. Please fill out the form below in its entirety.

1. Name and address of Alleged creditor : 2. Name on the file of the alleged debtor : 3. Alleged Account # : 4. Address on file for alleged debtor : 5. Amount of alleged debt : 6. Date this alleged became payable : 7. Date of original charge off or delinquency : 8. Was this debt assigned to a debt collector or purchased?

9. Amount Paid if the debt was purchased : 10. Commission for the debt if collection efforts are successful : Please attach copies of the following : Agreement with your client that grants ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX, XXXX ) the authority to collect this alleged debt. 
Original wet ink Signed agreement the Debtor has made with Debt Collector, or another verifiable proof Debtor has a contractual obligation to pay a Debt collector.

Any agreement that bears the original wet ink signature of the Debtor wherein agreed to pay Creditor.

All statements while this account was open.

Have any insurance claims been made by any creditor regarding this account? 
XXXX XXXX Have any Judgement been obtained by any creditor regarding this account? 
XXXX XXXX Please provide me the name and address of the bonding agent for ( XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX ), in case legal action becomes necessary : Date : Authorized Signature of Creditor You must return this completed form along with copies of all requested information, assignments or other transfer agreements, which would establish your right to collect this alleged debt within 30 calendar days from the date of receipt of this letter.

Your Claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for Validation made pursuant to the Fair Debt Collection Practices Act. 

Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance with FCRA,15 U.S. Code 1681e ( b ) Compliance procedures I am requesting this information to review for completeness and accuracy, and appropriateness. If you fail to comply with this request and send all documentations that prove you have seen and were sent valid documentation to say these items are 100 % accurate you will be held liable under 15 U.S. Code 1681n and 15 U.S. Code 1681o Civil liability for negligent noncompliance.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.

Failure to respond satisfactorily within 30 days of receipt of this complaint may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury 5. ) PENALTY OF PERJURY 6. ) Violations of 15 U.S.C 1692g 7. ) 15 U.S.C 1692a abusive practices 8. ) 15 U.S. Code 1681b - Permissible purposes of consumer reports 9. ) 15 U.S. code 1681 4A B2 Misleading False Reporting Sincerely, XXXX XXXX

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