Consumer complaint received 2022-04-06
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In response to CFPB complaint # XXXX, My name is XXXX XXXX, a federally protected consumer, and I am making the complaint against XXXX XXXX  for violating a cease and desist notice they received on XXXX XX/XX/XXXX and continuing to invade my individual privacy by committing abusive, deceptive, and unfair debt collection practices. I have never given XXXX XXXX any permission to use any of my identifying information to commit mail fraud or aggravated identity theft by contacting me about an alleged debt they claim I owe. I have attached an FTC report which will be used when filing for litigation in Federal court to this complaint. I am aware that the in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and and the assigned are both liable for violation under 15 U.S. code 1692e ( 12 ). I have not validated any alleged debt with XXXX XXXX and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving XXXX XXXX any right to collect on this alleged date. It is my belief that XXXX XXXX is attempting unlawful extortionate activities and theft by deception by attempting to furnish false and deceptive forms. I have never received any documentation requesting validation from XXXX XXXX before they committed multiple violated multiple violations under the FCRA and FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S code 1692d ( 4 ) which the FTC defines as debt parking. If XXXX XXXX  can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until XXXX XXXX  can provide me with sufficient documentary evidence that I have the legal obligation to pay them. If this documentation can not be produced and XXXX XXXX continues its collection efforts I will file for litigation for actual damages caused and XXXX XXXX will be held criminally liable for aggravated identity theft pursuant to 18 USC 1026A, extortion, theft by deception, security fraud, and mail fraud. Also XXXX XXXX has committed a violation by reporting this alleged debt as a charge off which is in violation of 15 USC 1692d ( 4 ), advertisement of sale of any debt to coerce payment of the debt. A charge off is considered income and income is not to be reported to a consumer report.

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