Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

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 To whom it may concern : As a federally protected consumer, I'm seeking proof of the alleged debt under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt in fact exists. 

In a good faith effort to resolve this matter amicably, I demand proof of the debt, specifically the alleged contract or other instrument bearing my signature in ink, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. 

For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1 ) Please evidence your authorization under 15 USC 1692 ( E ), 15 USC 1692 ( F ), and USC 1692 ( G ) in this alleged matter. 
2 ) What is your authorization of law for your collection of information?

3 ) What is your authorization of law for your collection of this alleged debt?

4 ) Please evidence of your authorization to do business or operate in the state.

5 ) Please provide proof of the alleged debt, specifically the alleged contract or other instrument bearing my wet signature. 

You have 10 days of this notice to respond. Your failure to respond, on point, in writing, hand-signed, and in a timely manner will work as a waiver to any and all of your claims in this matter and will entitle me to presume that you sent your letter XXXX XXXX XXXX  in error, and that this matter is permanently closed. Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three primary credit data reporting agencies. You are currently violating the Fair Credit Reporting Act and the Fair Debt Collection Act. I can't obtain housing or employment due to the violations on my credit file. You have caused great damage in my life, causing my family and me to suffer due to your negligence. 

Failure to respond within 10 days of this letter will begin my small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act After obtaining the judgment against your company, I will obtain a Writ of Execution from the Sheriff 's office in your county and I will begin the process of attaching property or funds to satisfy the judgment.

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only and is not a statement, election, or status waiver. The Federal Trade Commission ( FTC ), XXXX XXXX XXXX XXXX XXXX XXXX  Attorney General ( AG ), and the Consumer Financial Protection Bureau ( CFPB ) will be notified regarding this alleged debt. 

Thank you for your time and direct attention to this seriously damaging matter. I look forward to a swift resolution to your violations. 

Cease and desist all reporting on my consumer credit report. This CEASE AND DESIST ORDER is to inform you that your persistent actions, including but not limited to calling me, emailing or mailing me, and reporting to my consumer report have become unbearable. You are ORDERED TO STOP such activities immediately as they are being done in violation of the law. 

I have the right to remain free from these activities as they constitute harassment, and I will pursue any legal remedies available to me against you if these activities continue. These remedies include but are not limited to : contacting law enforcement to obtain criminal sanctions against you, and suing you civilly for damages I have incurred as a result of your actions. 

Again, you must IMMEDIATELY STOP REPORTING and send me written confirmation that you will stop such activities. You risk incurring some very severe legal consequences if you fail to comply with this demand. This letter acts as your final warning to discontinue this unwanted conduct before I pursue legal action against you. At this time, I am not contacting the authorities or filing a civil suit against you, as I hope we can resolve this matter without authoritative involvement. However, I am not under any circumstances waiving any legal rights I have presently or future legal remedies against you by sending you this letter. 

This order acts as ONE FINAL CHANCE for you to cease your illegal activities before I exercise my rights. To ensure compliance with this letter, and to halt any legal action I may take against you, I require you to fill in and sign the attached form and mail it back to me within ten days of your receipt of this letter. Failure to do so will act as evidence of your infringement upon my legal rights, and I will immediately seek legal avenues to remedy the situation. 

XXXX XXXX, XXXX XXXX