Consumer complaint received 2022-11-09
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Im a victim of identity theft someone use my info when I lost them back in XXXX thats why I have a fraud alert on my credit I called 1 month ago on the phone with XXXX  XXXX the guy told me since I did file a police report and identity theft report they told they they gon na stop reporting inaccurate information on my report and remove the collection but they didnt sooner or later you gon na hear from my lawyer if you dont remove within XXXX business days of receiving my notice. And they abusing my credit on XX/XX/XXXX I receive a message from credit report saying i went over my limit on my credit card knowing Im a victim and I dont have any credit card with this company which is illegal. AND A CREDITOR NOT ALLOW TO SELL FRAUDULENT ACCOUNT TO A DEBT COLLECTOR Please explain why? Before I take legal action Police report number XXXX AFFIDAVIT OF TRUTH Consumer Enforcement as Administrative Counter-Claim by Private Right of Action Notice to all, I am that I am, the consumer in fact, natural person, original creditor, Ender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, Consumer, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a Consumer, XXXX and autograph as the agent XXXX attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the XXXX and only most high of creation only, whoever that may be, and I depose the following facts, so be it, now present : Fact, The Truth in Lending Act is intended to inform consumers about the cost of credit. Fact, The Truth in Lending Act is intended to protect consumers against abuse and deceit by creditors and I have been abused and deceived so be it. Fact, XXXX is aware and has proof in attachment labeled as exhibit A that XXXX XXXX XXXX XXXX is in violation of 15 USC 1692. ( C ) ( A ). A debt collector may not communicate with a consumer in connection with the collection of any debt. Fact, XXXX is aware and has proof in attachment labeled as exhibit A that XXXX  XXXX XXXX. is in violation of 15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt. Fact, XXXX is aware and has proof in attachment labeled as exhibit A that XXXX  XXXX XXXX. is in violation of 15 USC 1692. ( B ) ( 5 ). Not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. XXXX, XXXX is aware and has proof in attachment labeled as exhibit A that XXXX XXXX XXXX XXXX. is in violation of 15 USC 1692. ( D ) ( 2 ). The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. 15 U.S.C. 1692 ( G ) On the date of XXXX XXXX XXXX XXXX XXXX XXXX before me today present as a flesh and blood living being ( Non entity/non debtor ) under oath to the most high of creation only and provided the facts listed hereir XXXX XXXX XXXX XXXX Sworn to or Affirmed by and subscribed before me on the. XXXX XXXX : XXXX XXXX Notary Signature : XXXX

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