Consumer complaint received 2022-08-07
Company: Experian Information Solutions Inc.
State: MI
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:
This is NOT a duplicate complaint. There are multiple accounts under the same creditor reporting to my consumer report that I am disputing. I am representing myself. I am NOT a third party. I have also attached a photo of a utility bill and a photo of my social security card for PROOF of identity along with a report from XXXX to show EVIDENCE that this creditor is violating my rights. In accordance with the fair credit reporting act *XXXX XXXX* XXXX account number # XXXX has violated my rights and 15 USC 1681 section 602A. States I have the right to privacy. 15 USC 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 1. Under the laws of the Fair Debt Collection Practices Act ( FDCPA '' ), I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. 2. The collection agency does NOT own or possess the right to receive all or any payments or amounts allegedly due or owed pursuant to the alleged credit / loan agreement. 3. The collection agency failed to send the required 15 U.S.C. 1692g notice within five days of contact. 4. The collection agency failed to provide a valid basis for the debt, such as the original contract agreement / promissory note between me and original creditor, bearing my wet-ink signature. 5. The collection agency failed to provide a valid basis for the debt, such as the original contract / agreement / promissory note between me and the debt collector, bearing my wet-ink signature. 6. The collection agency failed to provide me with copies of any papers that show I agreed to pay the alleged debt. 7. The collection agency failed to provide a report of comparative analysis between the dubious signature and the signature recognized by the alleged signer, if any. 8. The collection agency failed to provide a method of verification for the alleged debt. 9. The collection agency failed to provide the Bill / Summary of Consumer Rights. 10. The collection agency failed to provide me with a verified certificate of authority, and/or proof that the debt collector company is licensed to collect in my state. 11. The collection agency failed to provide me with a license number and registered agent or agent of service. 12. The collection agency failed to provide the Statute of Limitation has not expired on the alleged debt. 13. The collection agency ignored my dispute letter ( s ) by failing to provide an answer, as required by the FDCPA. 14. The collection agency defamed me by publishing untrue and false statements to the National Credit Bureau ( s ) ( " CRA, CRA 's '' ). 15. The collection agency has used false, deceptive, and misleading representations in connection with the collection of an alleged debt. 16. The collection agency falsely represented the character, amount, and legal status of the alleged debt. 17. The collection agency has communicated with third parties information about the credit, which information is known, or which should be known by the debt collector to be false. 18. The collection agency has used false representation and deceptive means to collect or attempt to collect the alleged debt. 19. The collection agency has used unfair and unconscionable means to attempt to collect the alleged debt. 20. The collection agency has stated that it is the lawful owner in interest of the debt or empowered to speak on behalf of the owner in interest, yet knew or should have known that they were not, and as such violated 15 USC 1692 ( e ) ( 5 ). 21. The collection agency engaged in unfair and deceptive means and attempts to collect the alleged debt in violation of 15 USC 1692 ( f ). 22. The collection agency attempted to collect the alleged debt in a manner and amount not authorized by the original loan / credit in violation of 15 USC 1692 ( f ) ( 1 ). 23. Finally, the collection agency lacks legal standing to collect the alleged debt. The Fair Credit Reporting Act ( FCRA '' ) requires credit reporting agencies to verify the validity of the item / account within 30 ( thirty ) days. If the validity can not be verified, your company is obligated by law to remove the item / account. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action.

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