Consumer complaint received 2021-06-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX has sent I the consumer several letters stating I owe an alleged debt for 3 accounts in the amount of {$1100.00}, {$1500.00} and {$1700.00}, this is harassment. I received letters dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. ( I will attached letters ) all of which state this is an attempt to collect a debt, a direct violation of 15 USC 1692b ( 2 ). I have never given any written permission or consent to XXXX to contact me or to create an account in my name ; I have never given XXXX my home address. Nor have I ever had a contract or agreement with them. This is a direct violation of my consumer rights pursuant to but not limited to 15 USC 1692c ( 1 ). These actions constitute to identity theft because I never gave consent. Since I have never had a contract with this organization they have no grounds to report to a credit bureau and since they have this is a direct violation of 15 USC 1692f ( 1 ). They claim they have sent validation of debt ; however, XXXX was not present to view an original consumer transaction therefore it is impossible for them to verify that the alleged debt is a valid debt. I sent an affidavit to XXXX, the lawful response to an affidavit is a rebuttal point for point. They have not provided a rebuttal point for point therefore, anything other than the lawful response is default and invalid. I gave them an opportunity to cure on XX/XX/XXXX, and they continue to report negatively on my consumer report without providing a lawful rebuttal providing validation. It has taken a considerable amount of time, effort, and finances to address this issue. It appears my credit card also known as my SSN was used to obtain credit via the original consumer transaction and XXXX was not a party involved in that original transaction. XXXX has furnished negative collections accounts to my credit report which has caused emotional distress for me do to them attacking and ruining my reputation pursuant 15 USC 1692d ( 1 ). Their reporting has severely impacted my consumer report and my ability to obtain credit. I have asked them before to remove the items as they have no right to furnish information on my consumer report especially since we have no official contract or agreement between one another. Since my initial complaint I have placed XXXX in default as of XX/XX/XXXX ( AFFIDAVIT ; DEFAULT JUDGEMENT AND COMERCIAL DISHONOR, please see attached ). I have also mailed them a CONSUMER ENFOREMENT ACTION document with CONSUMER ENFORCEMENT SETTLEMENT ORDER ( PRE-SUIT ) INVOICE # 001 ; STATEMENT OF DAMAGES dated XX/XX/XXXX ( see attached ). 
In XXXX ' attempt to collect debts they have violated my rights as a federally protected consumer, and violated the laws set forth by Congress. Please see the following violations : 1. Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission 2. Violated 15 USC 1692c ( b ) ; Communication without prior consent, expressed permission 3. Violated 15 USC 1692d ; Harass and oppressive use of XXXX about an alleged debt. 
4. Violated 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to you. 
5. Violated 15 USC 1692d ( 2 ) ; Use of obscene or profane language on my report ( saying I owe you a debt ) 6. Violated 15 USC 1692e ; Using false, deceptive or misleading representations 7. Violated 15 USC 1692e ( 2 ) ( A ) ; False representation of the character and amount of the alleged debt 8. Violated 15 USC 1692e ( 2 ) ( B ) ; False representation of any service rendered or compensation 9. Violated 15 USC 1692e ( 8 ) ; Communicating false information 10. Violated 15 USC 1692e ( 9 ) ; Use/distribution of communication with authorization or approval 11. Violated 15 USC 1692e ( 10 ) ; False Representation ( not a party to alleged debt by my consent ) 12. Violated 15 USC 1692e ( 12 ) ; False representation/implication ( innocent purchasers for value ) 13. Violated 15 USC 1692f ; Unfair Practices attempting to collect an alleged debt. 
14. Violated 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties. 
15. Violated 15 USC 1692g ( a ) ( 4 ) Certifiable Validation and Verification of alleged debt ( s ) 16. Violated 15 USC 1692j ( a, b ) ; Furnishing certain deceptive forms. ( You are not a party in the alleged debt ) 17. IDENTITY THEFT ; Obtaining personal identification information without prior consent and creating an account in my name without my knowledge. 
18. Invasion of Individual and Family Privacy 19. Debt collector states that such consumer has debt when debt collector informed consumer, " this is an attempt to collect a debt., '' this is a violation pursuant to15 USC 1692b ( 2 ) 20. Debt collector communicated with consumer more than once without expressed permission or consent from consumer this is a violation pursuant to 15 USC 1692 b ( 3 ) 21. Debt collector contacted consumer at unusual and inconvenient times this is a violation pursuant to 15 USC 1692 c ( a ) ( 1 ) 22. Debt collector threatened if bill is not paid, alleged debt will be reported to credit bureaus which can harm I the consumers reputation, this is a violation pursuant to15 USC 1692 d ( 1 ) 23. Debt collector used language or symbol on envelope that indicates the debt collector is in the debt collection business or that communication relates to a collection of debt this is a violation pursuant to 15 USC 1692 b ( 5 )

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