Consumer complaint received 2023-11-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
AFFIDAVIT OF SURETYSHIP PURSUANT TO 15 U.S. Code, Title15, XXXX  XXXX, XXXX XXXXXXXX 1681c-2 ( a ) Defamation, financial injury and FCRA Section 605 ( c ) To : XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Regarding : Unauthorized Accounts Defamation, financial injury and FCRA Section 605 ( c ), Section 611 Part ( A ) ( 1 ) Consumer : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX To whom it may concern, In representation of XXXX XXXX XXXX, claimant . This written communication is to inform XXXX, EXPERIAN XXXX XXXX has been reported as a victim of Defamation, financial injury, and FCRA Section 605 ( c ), Section 611 Part ( A ) ( 1 ). Secondly, This Notice is to inform you that the information/accounts that are contained herein, this communication is not an attempt to DISPUTE any part of these fraudulent accounts but a Legal and Lawful demand. Therefore, not legally obligated or liable to pay any of these fraudulent accounts or debts under the FCRA. NO VALID CONTRACT WITH XXXX XXXX XXXX signature has been presented bust has be request in the previous affidavit. Take notice that I am now reserving all rights under my consumer credit profile with your company, and as a consumer under the Fair Credit Report Act. Your XXXX, EXPERIAN XXXX XXXX do not have the legal authority to decline this demand to block information on the basis of a misrepresentation of fact by me the consumer, or any other reason under XXXX ( c ). Promptly send notice if XXXX, EXPERIAN XXXX XXXX declines to block information and provide proof of your claim supported by an affidavit that XXXX XXXX XXXX misrepresented any fact contained herein within. Failure to comply with any requirement imposed under 15 U.S. Code Subchapter III- Credit Reporting Agencies will constitute your organization 's willful/negligent non-compliance. Thus making your organization civilly liable pursuant to 15 U.S. Code 1681n and MD Code, Commercial law, 14-1213 for actual and punitive damages along with attorney fees whereas I do intend to sue your organization and file a complaint with a court of general jurisdiction in the state of FLORIDA for your non-compliance to federal and state law. Please govern your actions accordingly, and also send a corrected report in a timely manner. Parties are subject to fines and a minimum of {$1000.00} per fine under the FCRA ( Fair Credit Reporting Act ). 

Unauthorized Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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