Consumer complaint received 2023-07-24
Company: Experian Information Solutions Inc.
State: OH
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:
Account # XXXX I noticed you are preparing and reporting a false consumer report about me which defames my character and general reputation with the intention of extorting money out of me. I do not recall giving your my written permission and consent to do this. If i did such thing may you please provide me with it immediately Also, it is an inconvenience to me when your company contacts me, or communicates with me through any medium other than the CFPB. I refuse to pay this alleged debt!! Please CEASE & DESIST all further communications with me, my family, my friends and employers; relating to anything in regards to me. IF you wish to communicate with me and me only please do so ONLY through the CFPB. 

I am aware that the documents you are going to provide is NOT verification of the alleged debt. 
verification of a debt is not an account statement or any of the documents you are going to provide. 
If you wish to validate the alleged debt I would like to see the actual accounting ledger which shows the source of funds being loaned out. A XXXX daily transaction log AND a binding contract between XXXX XXXX XXXX & I. 

If your company can not provide this, then the debt can not be validated and you are legally required to delete the accounts from my consumer report. 

Also, could you please show me where a contract says that I agreed for non public personal information and/or transactions to be furnished on my consumer report? I would also like to see that you guys provided me with an option to Opt-out from such reporting. delete the account from my consumer report because it is false misleading inaccurate and is defaming my character and reputation causing me not to be able to obtain future credit because of such false reporting. Your company actions are unfair to me and deceptive... if you can not show the required verification, you are legally required to delete the account from my consumer report. 

I am only giving your company 7 DAYS to complete such request. notice is considered given upon receipt of this email. 

please provide me with all the above documents/information I asked for so that I am able to verify that the debt is accurate, if you can not provide such please delete the accounts from my consumer reports immediately. I also would like to see that i gave you my permission/consent in your initial communication with me ( because you do not have the initial communication as required by law ) that you were able to prepare a report of my consumer character and report on my consumer credit report. If you can not provide the same then you are in violation of the FDCPA and are liable to me for my harm and actual and statutory damages. 
in the event that we can not come to an agreement, I will pursue this matter with arbitration or counsel. 

**Please Note that I have forwarded your company and I responses to the CFPB, attorney general and comptroller of currency** YOUR COMPANY HAS 7 DAYS TO COMPLETE SUCH REQUEST OTHERWISE I WILL FURTHER THIS MATTER IN COURT AND/OR ARBITRATION.

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