Consumer complaint received 2022-07-27
Company: Experian Information Solutions Inc.
State: FL
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:
NOTICE : Cease and Desist Pursuant to 15 USC 1692c ( c ). I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through ANY and ALL mediums.

Pursuant to 15 USC 1692c ( c ) ( 2 ) - I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following pursuant to Federal Laws and my rights. 

A. XXXX out the balance on ALL accounts listed below as paid as agreed. 

B. Deletion from all Consumer Report and Consumer files.

C. Remove ALL late payments D. Delete or remove ANY or ALL COLLECTION ACCOOUNTS on my Consumer File and Consumer reports.

E. Delete or remove ANY or ALL COLLECTION ACCOOUNTS on my Consumer File and Consumer reports.

I conditionally accept your offer upon proof of bona fide claim. 

I have the right to Clear, Complete and Accurate information regarding my consumer report and consumer file. I also have the right to ask questions and you have a duty to answer them.

Notice Pursuant to 15 USC 1681b ( 2 ) -Permissible purpose of a consumer report. 

1. Do you have the authority to furnish anything on my consumer report or consumer file without my consent or written instructions? If yes, in good faith or under Penalty of Perjury please produce or provide sufficient evidence or documentary material facts to support your claim.

Notice failure to comply under law leads me to believe you may be committing FRAUD and shall incur a penalty and/or criminal liability of a XXXX XXXX dollars ( {$100000.00} ). 

Notice Pursuant to 15 USC 1681r further reporting of inaccurate or incomplete or unauthorized disclosure of alleged account reporting in question if you knowingly and willfully continue to be unlawful i will claim harm by the way of Trespass, FRAUD, Breach of Privacy rights, dishonor and unauthorized disclosure by unlawful officers or employees of XXXX and shall incur a penalty and/or criminal liability of {$10000.00} a day upon receipt of this offer. 


I am demanding you in accordance with my rights pursuant to 15 USC 1681b ( 2 ) Pursuant to 15 USC1681a ( d ) ( 1 ) ( A ) ( 2 ) ( i ) as my instructions are as follows Exclude or Delete or Remove these Unauthorized alleged accounts from my consumer report and my consumer file listed below. 

1. XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX accounts XXXX. DEPT OF ED/XXXX  XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Notice You have 10 days to respond to this offer with sufficient evidence failure to comply under law shall incur penalty and or criminal liability under Federal Law title 18 and Title 15 and other applicable laws.

Failure to comply you will be in violation pursuant to 18 USC 102A- Aggravated Identity Theft. 

Failure to comply you will be in violation pursuant to 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) Failure to comply you will be in violation pursuant to 15 USC 1681n Failure to comply you will be in violation pursuant to 15 USC 1681o Best regards, XXXX XXXX a man

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