Consumer complaint received 2022-11-18
Company: Experian Information Solutions Inc.
State: OH
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:
Credit reporting agencies aid and abet many favorite financial institutions in the the collection of extensions of credit by extortionate means. If the credit reporting agencies would've conducted a reasonable investigation, they would've found that my fiduciary breached their duty by furnishing false credit information. 

15 usc 1666b - If there's no proof of indebtedness, there is no late payment. financial institution knows that furnishing inaccurate to the CRAs violate federal law. But do it anyway. 
why would credit reporting agencies be reporting negative information on an EXTENSION OF CREDIT they are NOT REQUIRED BY LAW to furnish? Disclosing false credit information that jeopardizes your consumer credit reputation as a means of coercing repayment on an extension of credit constitutes racketeering activity.

That negative information provision is your financial institution 's agreement is their POLICY. Their policy shouldn't violate your federally protected rights. There's no debt, only extortionate extensions of credit.

Under the FCRA I have a right to privacy and a fair and equitable credit report. why are you CRAs allowing debt collectors to furnish this false credit information knowing it will harm my relationship with other banks and cause damages? 
Under the FDCPA, furnishing an alleged debt to coerce payment is a violation of 15 USC 1692d ( 4 ) which the FTC defines as debt parking. There is no debt, only an attempt to collect on an extortionate extension of credit using unlawful extortionate means.

Please provide me with a chain of title, your license to collect in my state, and a bill of assignment just to even see if they have the right to collect on this " ALLEGED '' debt.

You, the Debt collector shouldn't have my information in the first place. Let alone, use it to bring harm to me and my financial reputation. That's aggravated identity theft.

You, the debt collector, financial institution, and the credit reporting agencies are participating in extortionate behavior to collect on a debt that doesnt exist. 

If my fiduciary didn't breach their fiduciary duty I wouldn't be in court to start with. The fact they are pursuing repossession and suing do to " nonpayment '' shows an unauthorized use of a credit card ( social ). If they received consideration ( aka my social ) and pursuing damages and repossessed the car, where is my consideration? How can a " contract '' be legally binding without the essential element of consideration? 

RE : FRAUDULENT HARD INQUIRY Please be advised that as of XX/XX/XXXX as listed on my most recently reviewed consumer report, there are unverified accounts listed. As a reference, please see the below accounts in question : ACCOUNT NAME ACCOUNT NUMBER BALANCE XXXX XXXX XXXX XXXX XXXX - {$4700.00} XXXX XXXX XXXX XXXX - {$12.00} ( Past due amounts incorrect, should be marked as paid on time ) XXXX XXXX, XXXX. - XXXX - {$12XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - {$1700.00} I want to be explicitly clear with my request. I am not requesting validation of debt ; but instead, I am requesting verification of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. 
Starting 30 days from the day you receive this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the abovementioned accounts. If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the accounts from my consumer report without prejudice. LET IT BE KNOWN : If a consumer reporting agency, or, in some cases, a user of consumer reports or afurnisher of information to a consumer reporting agency violates the FCRA, you may be able to sue in state or federal court.You may also have the right to file suit under state law. 
Warm Regards, Without prejudice, all natural inalienable rights reserved. 
XX/XX/XXXX Experian XXXX XXXX XXXX XXXX TX XXXX ATTN : DISPUTE/CLIENT RESOLUTION SPECIALIST RECENTLY, I HAVE REVIEWED MY CONSUMER REPORT AND NOTICED THAT YOU ARE ALLEGING THE FOLLOWING ACCOUNTS ARE OPEN WITHOUT HAVING FURNISHED ANY SUBSTANTIAL PROOFS OR EVIDENCES OF YOUR CLAIM. ACCORDING TO FEDERAL LAW, IN ORDER FOR YOU TO REPORT THIS ACCOUNT YOU WOULD HAVE AHD TO VERIFY AND VALIDATE ALL ALLEGED DEBT. AS OF XX/XX/XXXX THE FOLLOWING ACCOUNTS HAVE NOT BEEN VALIDATED. AS A RESULT OF THIS THEY MUST IMMEDIATELY BE REMOVED FROM MY REPORT OR UPDATED AS CLOSED AND PAID IN FULL AS I DO CHALLENGE THEIR VALIDITY. PURSUANT 15 USC 1681B. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX PLEASE CONSIDER THIS LETTER AS AN INITIAL COMMUNICATION DEMANDING ANY EVIDENCE OF MY OBLIGATION TO ABOVEMENTIONED ACCOUNTS. AS A REMINDER, ANY ACCOUNT THAT YOU CONTINUE TO REPORT WITHOUT BEING ABLE TO VALIDATE IS A DIRECT VIOLATION OF MY RIGHTS LISTED THROUGH THE FDCPA AND FCRA BOTH TOGETHER AND SEPARATE. 
It seems to me that there is no original instrument of indebtedness in existence which again settles the matter legally and financially. I would appreciate if you would obtain a statement of facts from the XXXX XXXX XXXX XXXX XXXX why they can not produce the original instrument of indebtedness, why they have had their lawyers harass me for a nonexistent debt and why they have referred this non-existent debt to a debt collection agency. 
THIS IS NOT A DISPUTE OF OWNERSHIP BUT AS A CONSUMER AWARE OF MY FEDERALLY PROTECTED RIGHTS, IF YOU CAN NOT PROVIDE THE REQUESTED DOCUMENTATION MY DEMAND IS THAT THE ACCOUNTS BE REMOVED OR UPDATED TO BE REPORTED AS PAID IN FULL IMMEDIATELY UPON RECEIPT. 
LET IT BE KNOWN : If a consumer reporting agency, or, in some cases, a user of consumer reports or afurnisher of information to a consumer reporting agency violates the FCRA, you may be able to sue in state or federal court.You may also have the right to file suit under state law.

Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : The following inquiry needs to be removed immediately : EXPERIAN Inquired XXXX and XX/XX/XXXX EXPERIAN Inquired XXXX XXXX XXXX XXXXEXPERIAN XXXX XXXX XXXXEXPERIAN XXXX XXXX XXXXEXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXXEXPERIAN XXXX XXXX XXXXEXPERIAN XXXX XXXX XXXXEXPERIAN XXXX XXXX XXXXEXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. Please provide me with the method of verification that you and/or your staff used to verify and validate this inquiry. 
Also, Please remove all incorrect addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Without prejudice, all natural inalienable rights reserved.

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