Consumer complaint received 2023-01-11
Company: Experian Information Solutions Inc.
State: GA
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:
COPY OF MY LICENSE AND UTILITY BILL ENCLOSED.. PDF ATTACHMENT Re : THE BLOCK, DELETION AND REMOVAL OF The following accounts Account Name : XXXX XXXX XXXX XXXX Account Number- XXXX Account Type/Credit card Responsibility- Individual Date Opened - XX/XX/XXXX Status - Account charged off. {$92.00} written off. {$87.00} past due as of XX/XX/XXXX. 
Status Updated - XX/XX/XXXX Balance- {$87.00} Balance Updated - XX/XX/XXXX Recent Payment - XXXX XXXX Monthly Payment - {$0.00} Credit XXXX XXXX {$500.00} Highest Balance - {$580.00} Terms - NA On Record Until - XX/XX/XXXX Completed investigation of FCRA dispute - consumer disagrees. 
Account closed at credit grantor 's request. 
Previous : None Reinvestigation Info This item remained unchanged from our processing of your dispute in XX/XX/XXXX. 

Invalid account # XXXX Re : XXXX XXXX XXXX 

XXXX XXXX Potentially Negative - Account Info Account Name - XXXX XXXX Account Number- XXXX Account Type- Secured Loan Responsibility -Individual Date Opened - XX/XX/XXXX Status - Account charged off. {$460.00} written off. {$310.00} past due as of XX/XX/XXXX. 
Status Updated/ XX/XX/XXXX Balance- {$310.00} Balance Updated - XX/XX/XXXX Recent Payment - XXXX XXXX  Monthly Payment - {$0.00} Original Balance - {$500.00} Highest Balance - {$0.00} Terms XXXX Months On Record Until XXXX XXXX Remarks by Experian on their website. Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). 
Previous : None - Reinvestigation Info This item remained unchanged from our processing of your dispute in XX/XX/XXXX. 

I di d not authorized anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Secti on 1681b ( c ) .You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights. I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business daysso that I can verify its validity. Mail it to the address listed above. 1. ( a ) Verification.Your claim must be verified to prove the validity, by presenting the alleged obligation under oath or notary seal, and signed by an Officer of ( ), under penalty of perjury as to accord with impartiality honesty and integrity. 2. This is an un rebutted statement of facts.Your response is not required, however if you fail to rebut these statements within ( 5 ) daysthen it shall certify your consent, assent, and agreement to the statements as true, correct, complete, and not misleading. 3. Additionally all further communications to our office shall be made only by an Officer of ( ), signed in Ink, including the Title and Name of individual verifying the data and affirming its accuracy and authenticity. Please cease and desist all communications that are not signed in accordance with the provisions made herewith. The failure to do so constitutes a prejudice to my rights and is damaging to me. Therefore, should we continue to receive unsigned communication from your office, it shall constitute your agreement to compensate us for this predetermined sum of { {$10000.00} } per document. 4. Please be advised that if this debt isnt verified according to th e Fair Debt Collections Act.You m ust delete this recording from my credit reports. As it is that I am willing to contact the Federal Trade Commission, Report you to Both T he XXXX XXXX XXXX XXXX XXXX and Co nsumer Financial Protection Bureaus as I am ve ry much inclined to file a lawsuit if this matter is not immediately resolved. If you can not provide me with proof that I authorized you to view my credit report then I am demanding that you contact the credit bureaus immediately and have them REMOVE/DELETE the unauthorized hard inquiry immediately. I also request that you remove my personal information from your records. Please send me a written confirmation that you have complied with my requests. Your failure to comply with my requests w ithin five ( 5 ) business days will be my evidence used in Federal Court of your willful noncompliance [ 15 U .S. C. 1681n ] and I will be seeking statutor y damages, punitive damages and the cost of the action and reasonable attorney fees. 

Recently I sent a complaint to CFPB with the above letter. " I have disputed this debt your " collection agency '' states that I owe. 

. To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { Experian, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the XXXX major credit reporting bureaus : Experian, XXXX or XXXX ) request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.

My other question is IF the information I sent you is not enough to find me in your system, than WHY is your company on my credit report? Because of your company reflecting on my personal credit file with Experian and others and the hit in points I have taken due to your erroneous credit reporting XXXX XXXX XXXX XXXX your company had been reflecting on credit file month after month, I ask this account be remove immediately from my credit file.

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