Consumer complaint received 2023-12-18
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Iam verifying that this is, XXXX XXXX, and there is no need to ask for validation. I have given Experian 30 days to remedy the situation, which is a more than a reasonable period. Experian has failed to validate this debt within the legal time period. I have also filed a CFPB complaint asking CFPB to ensure my rights are not being violated the complaint number is XXXX .I have received no reply from you Experian Not in mail nor a reply back from the CFPB complaint portal, though I did receive confirmation via mail that you did receive my letter on XX/XX/2023. The certified mail receipt is ( XXXX XXXX XXXX XXXX XXXX ). Since you are still reporting this account on my credit report, you are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, which i attend to collect if this issue continues. This fraudulent XXXX XXXX XXXX XXXX XXXX has not been validated properly, Even with multiple attempts from me to correct this identity theft by reaching out to your company via mail. But yet you still reported this to my credit report which goes against the FCRA laws for FAIRNESS.

15 USC 1681 n Civil liability for willful noncompliance You have not replied to my letters sent nor have you responded to my CFPB complaint XXXX. Your willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to { {$1000.00} } per violation. 18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. I feel like my consumer rights have been violated, and I have been taken advantage of even after doing proper steps to insure my rights are not being violated. I have sent you and uploaded My FTC report related to this identity theft, but you still choose to report false information. 

FDCPA 8012 -furnishing deceptive forms You furnished this inaccurate account as if it were accurate when it was never validated according to GAAP , so you don't even know if this account is accurate, but yet you still took it upon yourself to report this inaccurate information on my credit report. 

This bad debt that is furnished to my credit report without my consent is ruining my reputation, and it is defamation of my character. I do not validate this XXXX XXXX XXXX XXXX debt or accounts linked to it. You also tried to trick me into thinking you are the original creditor when in reality, ONLY I XXXX XXXX CAN EXTEND CREDIT, so therefore I am the original creditor. This debt does not exist, and must be removed. 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you ( Experian ) any written consent to report anything on my consumer report, No Consent is Identity Theft. 

I XXXX XXXX the natural person did not consent to, authorize nor benefit from any of the following account. This XXXX XXXX XXXX account is inaccurate, please block and remove it ***IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THIS ACCOUNT HAS BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THIS DISPUTED and UNVERIFIED XXXX XXXX XXXX XXXX ACCOUNT.

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