Consumer complaint received 2018-06-21
Company: Experian Information Solutions Inc.
State: CA
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:
I recently discovered that XXXXXXXX XXXX XXXX ( via company representatives ) has claimed to have sold an unverified and fraudulent debt that is in my name. I was disputing this debt with XXXX XXXX XXXX, I never received any valid and lawful verification of the alleged debt, but now have received correspondence from XXXX XXXX XXXX through it's representatives that the alleged has been sold. Upon discovering this unfortunate and essentially criminal act on the part of XXXX XXXXXXXX XXXX ( via company representatives ), I sent a correspondence to them dated XX/XX/XXXX in regards to this alleged debt and once again requested a verification and validation the alleged debt ; the letter was received on XX/XX/XXXX ( per USPS tracking number XXXX XXXX XXXX XXXX XXXX ) as of today 's date XX/XX/XXXX I have not received any reply from XXXX XXXX XXXX. This company is falsely reporting to the credit bureaus and is violation of 15 U.S. Code 1692g. I am attaching and providing below my correspondence. 

To whom it may concern at XXXX XXXX XXXX, YOU claim to have sold this alleged debt to a third party without first lawfully verifying the alleged debt. 
I am requesting the following items that are listed below in this correspondence from XXXX XXXX XXXX to VERIFY an alleged debt. To be perfectly clear as to what is meant by VERIFY not to be confused with VALIDATE the alleged debt, I have provided the definition of VERIFY from a XXXXXXXX XXXX XXXX as follows : To confirm or substantiate by oath or affidavit ; to show to be true. Particularly used of making formal oath to accounts, petitions, pleadings, and other papers. The word " verified '' when used in statute, ordinarily imports a verity attested by the sanctity of an oath. It is used interchangeably with sworn. To prove to be true ; to confirm or establish the truth or truthfulness of ; to check or test the accuracy or exactness of ; to confirm or establish the authenticity of ; to authenticate ; to maintain ; to affirm ; to support ; second ; back as a friend. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX The above definition of verify is perfectly clear that someone ( an authorized representative of your corporation that can legally bind XXXXXXXX XXXX XXXX ) has to personally swear by oath or affidavit that there is in fact a debt owed to XXXXXXXX XXXX XXXX. 
If you fail to properly verify and validate the alleged debt and continue to falsely report to the credit bureaus, you are in violation of 15 U.S. Code 1692g. 
Please refrain from your deceptive, illegitimate and fraudulent tactics by attempting to inundate me with useless paperwork in the form of statement ( s ) as if that is verifying and validating the alleged debt, which it most certainly does not. These unlawful acts have shown that XXXXXXXX XXXX XXXX through its employees and/or representatives is acting without good faith and clean hands. Please correct your unlawful, illegitimate, deceptive and fraudulent activities before the inevitable legal action against XXXX XXXX XXXX in the form of litigation ensues. 
I am requesting the following for proper and lawful verification of the alleged debt : 1. The actual accounting ( including the FR XXXX balance sheet and XXXX OID ) that demonstrates XXXXXXXX XXXX XXXX loaned its own pre-existing money, credit or assets ( including money, credit or assets the Bank may have sourced from another institution ). 
2. Verification of your ( ( XXXX XXXX XXXX ) through a legally binding representative ) claim against me ( XXXX XXXX ) ;  that is a signed invoice by an authorized representative of XXXX XXXX XXXX. 
3. The contract binding both parties ( XXXX XXXX and XXXX XXXX XXXX through a legally binding representative ). 
4. If there is no lawfully binding contract present between both parties, did XXXXXXXX XXXX XXXX through its employees and/or representatives commit an act of fraud in the factum by misrepresenting their intentions and services, by falsely appearing to grant or loan credit and charge interest based on that presumption, when in fact XXXX XXXX XXXX did not and could not grant or loan any credit and/or money? 

Until XXXXXXXX XXXX XXXX through an actual employee or representative that can legally bind the corporation has satisfactorily VERIFIED the alleged debt, YOU must cease and desist reporting false information to the credit bureaus and any and all collection activities, must also cease. YOU also have no RIGHT to sell an alleged debt that has not been lawfully verified. 
I have already filed a complaint with the Consumer Financial Protection Bureau and Office of the Comptroller of the Currency, to ensure that there is a public record of your dishonor. If you choose to continue to falsely report to the credit bureaus without properly and lawfully verifying the alleged debt and attempt to collect on an unverified debt, I will proceed with further legal action and I will be pursuing the maximum amount due for your unlawful actions including but not limited to the pain and suffering you have caused by defaming my name and character, your willful non-compliance of public policy and disregard for the law. 
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 non-monetary relief