Consumer complaint received 2023-05-20
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed these collections with this company. I never received an original contract with my signature. they have not shown me validation collections. Be advised that the claim is disputed and validation and proof of claim of the disputed debt is requested in accordance with the Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq. All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq 1XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX ) XXXX XXXX  : Alleged account # XXXX, XXXX, XXXX, XXXX XXXX. AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  : Alleged account # XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Be advised that the claim is disputed and validation and proof of claim of the disputed debt is requested in accordance with the Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq. All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq CHARGE OFF -- -I am requesting that your company please forward me a copy of the 1099-C that was issued by your company when you charged this debt off with the IRS which is required by law for all debts over {$600.00}. Pursuant to Title 15, Section 1666 of the United States Code, 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX Account number XXXX Original creditor Date opened -XXXX  XXXX, XXXX Open/closed -Closed Status updated-XXXX  XXXX Account type-Installment Status -- XXXX  XXXX. Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Account number XXXX Original creditor Date opened XX/XX/XXXX Open/closed-Closed Status updated XX/XX/XXXX Account type-Installment Status-Charge-off Balance {$34000.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX  FRAUD. 
ATTORNEY GENERAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ACCOUNT NUMBERS # XXXX # XXXX # XXXX # XXXX # XXXX Please be advised that I hereby dispute the validity of the alleged debt listed above in its entirety. I have not given you written permission to put anything on my consumer report. 
1

5 USC 1681b Permissible purpose 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. You have no permissible purpose by law to contact third parties with my private or personal information. 15 USC 1681 a 4 speaks on a consumer 's right to priv
acy. 15 USC 1692 speaks further on a consumer 's right to individual Privacy.

The Privacy Act You have violated my rights to Privacy under FCRA 15 USC 1681 and the FDCPA 15 USC 1692.

I will not tolerate this. I am a litigious consumer I will not hesitate to take legal action and sue. Offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A and 15 USC 1681q. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

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