Consumer complaint received 2023-04-17
Company: Experian Information Solutions Inc.
State: AR
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:
Affidavit of fact from consumer XXXX XXXX XXXX Constructive notice public 15 U.S. Code 1692g - Validation of debts 15 U.S. Code 1692f. Unfair practices 15 U.S. Code 1692h - Multiple debts ( a ) Notice of debts ( a ) Notice of debt ; contents ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 30 a statement that unless the consumer within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) d ( 5 ) a ( b ) Disputed debts if the consumer notifies the debt collector in witing within the thirty-day period described in subsection ( a ) that the debt, or any protion thereof, is disputed, or that the consumer requests the name and address of hte original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verificaton of the debt or a copy of a judgment or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the orignal creditor is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the comsumer has notified the debt collector in writing that the debt, or any portion of the debt is disputedor that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30 - day period my not overshadow or be inconsistent with the disclosure of the consumer 's right to dispute the debt or request the name and address of the original creditor. ( c ) Admission of liability ( d ) Legal pleadings ( a ) Notice provisons 15 U.S. Code 1692e. False or misleading representations the consumer never gave written consent to allow credit agency to report for her living natural person Consumer point where remove prior to reporting that she natural person the consumer wa being violated en legis controller 15 U.S. Code 1692d - Harassment or abuse would like all omission = returned to the original creditor and commission charged to surety under trust indenture act 1939 1933 hrj 192 the trustee of the company shall release all encumbrances back to security holder 15 U.S. Code 1692c - Communication in connection with debt collection ( 3 ) The term " consumer '' means any natural person obligated or allegedly obligated to pay any debt. ( 4 ) The term " creditor '' means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of debt in default solely for the purpose of facilitating collection of such debt for another 16 CFR Part 433 1-3 PRESERVATION OF CONSUMERS ' CLAIMS AND DEFENCES

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