Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IN)

I am writing this letter to formally dispute the alleged debt associated with the account mentioned above, in accordance with the provisions of 15 USC 1692g. As a consumer, I request that you provide me with verification of this purported debt. I am seeking concrete evidence that clearly establishes this alleged debt as mine. Please ensure that the verification you provide includes a formal declaration, sworn to be true and accurate, with firsthand knowledge of the matter, and duly notarized, as required for proper verification. As outlined by the Fair Debt Collection Practices Act, I expect you to cease all collection activities related to this disputed debt until its validity is confirmed. This includes any reporting to Experian, XXXX, and XXXX. I want to emphasize that I have not granted you consent to communicate with me through any means. 

Furthermore, I did not authorize the release of my personal and private information to your agency, which, in effect, constitutes aggravated identity theft. I also want to reiterate that I did not authorize the reporting of any information in my name to consumer reporting agencies. Your non-compliance with the Privacy of Consumer Financial Information Rule of the XXXX XXXX XXXX XXXX has been noted, as you shared my nonpublic personal information with nonaffiliated third parties without providing me with a compliant notice under section 6803 and an opportunity to opt out, as required by 15 USC 6802.

In line with my rights as a consumer, I hereby request that you provide me with the " Aggravated Value of Purchase '' document, which explicitly details the price you paid for this particular debt. It is essential that you refrain from any attempt to collect more than what you paid for this debt, as such actions would be considered a material misrepresentation, fraud on the court, and false and misleading.

I must caution you that failure to comply with my request and cease all collection activities, including removing this account from my consumer report, will result in me taking legal action against your company in the United States District Court. I expect a timely response to this dispute within 30 days from the receipt of this letter. Failure to provide adequate verification and resolution to this matter within the given timeframe will force me to escalate this issue and pursue appropriate legal action. 

Additionally, I reserve the right to file formal complaints with both the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) should your agency fail to comply with my dispute. in accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 


Accounts listed below have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) 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.