Consumer complaint received 2024-04-16
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. (FL)

Subject : XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Experian for Non-compliance with Federally Mandated Consumer Protection Protocols To Whom It May Concern, This correspondence serves as a formal and structured legal appeal against XXXX XXXX XXXX and Experian, addressing significant non-compliance with the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws as stipulated under federal guidelines. This complaint articulates substantial concerns regarding XXXX XXXX XXXXXXXX alleged debt claims tied to my personal identifiers, which lack proper authenticated documentary evidencea core requirement under consumer protection statutes aimed at safeguarding consumer rights and ensuring the integrity of credit reporting practices. 
Detailed Discourse on the Legal Mandate for Authenticated Documentary Evidence in Consumer Protection Law : Fundamental Consumer Law Requirements for Document Authentication : Regulatory frameworks, specifically 12 CFR 1022.82, underpinning the FCRA, mandate that all information furnished to consumer reporting agencies by entities like XXXX XXXX XXXX must be accurate, complete, and thoroughly substantiated. In the realm of debt collection and reporting, this substantiation requires authenticated documentary evidence. Such evidence typically includes, but is not limited to, contracts or financial agreements validated through signatures executed in " wet ink. '' This authentication serves not merely as a procedural formalism but as crucial legal proof of the consumer 's conscious assent to the terms delineated within the document. 
FTC Report Reference and Experians Inaction : Subsequent to discovering unauthorized use of my consumer information by XXXX XXXX XXXX, a formal report was filed with the Federal Trade Commission. Despite this attempt to rectify the situation through federally recognized channels, the continued presence of XXXX XXXX XXXX on my credit profile and Experian 's inaction in resolving this discrepancy demonstrate a concerning level of disregard for regulatory compliance and consumer rights. 
Legal Consequences for Non-Compliance : Penalties Under FCRA Section 621 ( a ) ( 2 ) : According to the Fair Credit Reporting Act, specifically under Section 621 ( a ) ( 2 ) ( 15 USC 1681s ), any person, including debt collectors like XXXX XXXX XXXX and credit reporting agencies such as Experian, who fails to comply with any requirement imposed under the FCRA with respect to any consumer is subject to civil penalties enforced by the Federal Trade Commission ( FTC ). This includes potential fines, statutory damages awarded to the consumer, punitive damages for willful non-compliance, and attorneys fees. 
Disputed Debt and Consumer Awareness : It is pertinent to note that the debt in question includes claims for which I have no knowledge of the account number, strongly indicating that the alleged debt was fraudulently attributed to me. This lack of awareness and the inability to verify such a debt underscore the necessity for a stringent review of the information reported by XXXX XXXX XXXX and the actionsor lack thereoftaken by Experian.