Consumer complaint received 2022-04-22
Company: Experian Information Solutions Inc.
State: IL
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 OF DISPUTE : DEMAND FOR VALIDATION AND PROOF OF CLAIM This Notice is being sent to you in response to the reporting from your bureau on my credit profile. Be advised that your reporting is being disputed and validation and proof of claim of the disputed debt is requested in accordance with the The Fair Debt Collection Practices Act,15 U.S.C. 16921692p, and as amended by adding the following new Title 8 USC 802., and the Fair Credit Billing Act, 15 U.S.C . 1666- U.S.C . 1666- All of which work in conjunction with each other, including the Truth Lending Act ( TILA ) 15 USC 1601 et seq. It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owed by a Claimant. In order to make arrangements to pay an obligation which may be lawfully owed, please document and verify the debt by complying, in good faith, with this request for validation and return it to me, within ( 30 ) days of receipt of this letter. 

This is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OF CLAIM made pursuant to the above named Titles and Sections. I respectfully request that your offices provide Claimant with competent evidence as per the attached Declaration of Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. 
At this time I will also inform you that your offices have reported invalidated inaccurate information to my personal credit file prior to validation and proof of claim of the disputed debt, you have committed fraud under both Federal and State Laws. Due to this fact, I am filing a lawsuit against { XXXX } reporting Alleged Account # XXXX XXXX XXXX, EXPERIAN reporting alleged account # XXXX, XXXX reporting alleged account # XXXXXXXX XXXX XXXX XXXXXXXX alleged account # XXXX XXXXXXXX. I WAS VICTIM OF IDENTITY THEFT. 

I am seeking {$1000.00} per violation -Violation of the Fair Credit Reporting Act -Violation of the Debt Collection Practices Act -Defamation of Character -Violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341 ( Mail Fraud ) If your offices fail to respond to this validation and proof of Claim request 30 days from the date of your receipt, all references to this account must be deleted and completely removed from Claimant credit file and a copy of such deletion request shall be sent to the Claimant immediately. 

Title 8 USC 809 Validation of debts [ 15 USC 1692g ] ( b ) if the consumer notifies the debt collector in writing within the thirty day period in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of Debt Validation Proof of Claim. 

In accordance with the Fair Credit Reporting Act Alleged account #, has violated my rights.

15 U.S.C 1681 section 602 A. { States I have the right to privacy.

15 U.S.C section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

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