Consumer complaint received 2022-04-21
Company: Experian Information Solutions Inc.
State: NC
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:
Dispute letters were sent out, starting XX/XX/2022. Certified Mail USPS # XXXX # XXXX # XXXX. A response back claimed the consumer reporting agencies verified. The consumer reporting agencies were not responsive to my demands of my dispute letters. I requested that you provide original contracts that I signed and consented to on collections previously disputed. I have reasons to believe of illegal and alleged collections not explicitly agreed to. Willfully negligent in rectifying my affairs. My purpose of this complaint is to properly address violations of consumer disputes and reporting. 

Stated in your investigation, you contacted the furnisher of the information and the vendor that collected the information, from a public record source and notifying them of the dispute and disclosing all relevant information regarding my dispute. When you contacted the furnisher/ vendor, you asked them to verify all the information regarding collections I disputed and have them to report back to you. You are in violation because I did not consent for you to contact anyone. And you can not request information from any sources when I didnt give you written permission. 

North Carolina Statute of limitation on debt/collections is three years. The collection has been on my credit report for seven years.

15 U.S.C 1681q States any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than two years, or both.

15 U.S.C 1681 ( e ) ( 1 ) States a person may not procure a consumer report for purposes of reselling the report, or any information on the report unless the person discloses to the consumer reporting agency that ORIGINALLY furnishes the report. I did not sign any contracts nor consent to this collection. The sold collection injured me by dropping my credit score.

Bilateral Contract States contract in which both parties exchange promises to perform. One parties promise serves as consideration for the promise of the other. As a result, each party is an obligor on that parties own promise and obligee on the others promise.

There is no Bilateral nor Trilateral contract or agreement in place that I consented to. So, who is this alleged obligation? The collections is based on the assumptions of The Credit Bureau, and ASSUMED the debt/collection is valid. Attempting to get me to agree to pay based on ASSUMPTIONS of the collectiondebt.

15 U.S.C 1681 ( b ) ( a ) ( 2 ) States a consumer reporting agency CAN NOT furnish a account without my written instructions.

15 U.S.C 6803 ( C ) States I have the right to privacy. Prohibits disclosure on nonpublic personal information without the knowing and expressed consent of the consumer. I did not consent for you to request information from other sources.

15 U.S.C 1681 ( I ) ( a ) If you can not provide proof, and accounts are not 100 % right and correct, collection account must be deleted.

15 U.S.C 1681 S-2 States A person shall not furnish any information relating to a consumer to ANY consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. A person shall not furnish information relating to a consumer reporting agency if the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate.

15 U.S.C 1681 ( c ) ( a ) ( 4 ) States no consumer reporting agency may make any consumer report containing any of the following items of information ; Accounts place for collection or charged to profit and loss which antedate the report by more than seven years.

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