Consumer complaint received 2024-05-02
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. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX : XX/XX/XXXX SSN : XXXX XX/XX/XXXX I XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The late payments for the following I have no knowledge of. 

OWED PARTY : XXXX XXXX XXXX XXXX Amount owed : {$2300.00} I am disputing these claims due to : I HAVE NO KNOWLEDGE OF THIS COLLECTION IT IS FRAUDULENT! 

Under penalty of perjury, I swear this account is false and misleading. 

Under 15 U.S. Code 1692d-Harassment and abuse have been harassed and have trauma this account in violation.

Cease and desist asap Under 15 U.S.C 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence.

Under 15 U.S. Code1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX  % Unauthorized/Erroneous Account RESULT OF THE XXXX DATA BREACH DIRECT VIOLATION OF THE FCRA REPORTING FALSELY UNDER FDCPA Ive filed a civil suit against this credit bureau and debt collector/creditor for this unauthorized invalidated account that appear on my credit report. These are deceptive practices Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud This agency is in violation of 15 U.S.C 1692g. they were to notify me of this in writing XXXX  days prior I was not. As the original creditor only I can validate this debt. I do not validate this debt FDCPA Section 807 Violation Misleading False Reporting Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is identity theft Have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt nor therefore any such debt in fact exists.

15 USC 1681 ( a ) ( 4 ) violations of consumer right to privacy Violation of USC 1681s-2 ( 3 ) Duty to provide notice of disputes You VIOLATED U.S.C 15 U.S.Code 1681a ( 2 ) ( a ) ( i ) -Congressional Findings.There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness impartiality and a respect for the consumers right to privacy. 
Every notation date and balance was not verified and validated by you for this account. 
You failed to check and validate all data for this account, including all notation dates and balances. 
This agency is in violation of 1 U.S.C. 1692g. They were to notify me of this in writing XXXX  days prior I was not. As the original creditor only I can validate this debt. I did not validate this debt. 
EVERY ACCOUNT MUST HAVE THE NAME OF THE COMPANY AND CONTACT INFORMATION UNDER FCRA SECTION 623 Erroneous RESULT OF The Equifax Data Breach Direct Violation 15 USC 1681 Reporting incorrectly. PAYMENT HISTORY DATES ACCOUNT NUMBERS BALANCE INCORRECT AMOUNTS PAYMENT STATUS Inaccurate across all XXXX Bureaus Experian XXXX and XXXX PENALTY OF PERJURY 'Violations of 15 U.S.C 1692g ' '15 U.S.C 1692a abusive practices ' '15 U.S. code 1681 4A B2 Misleading False Reporting ' '15 U.S. Code 1681b - Permissible purposes of consumer reports ' Account involved in litigation an incorrect high balance an inaccurate date of last activity REAGED ACCOUNTS Reinsertion Violation an undated late pay a charge off listed as open a collection account with a limit incorrect account number Erroneous RESULT OF XXXX Data Breach Direct Violation of The FCRA Reporting incorrectly. PAYMENT HISTORY DATES ACCOUNT NUMBERS BALANCE INCORRECT AMOUNTS PAYMENT STATUS Inaccurate across all XXXX Bureaus Experian XXXX and XXXX You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ) I never gave you any written consent to report anything on my consumer report. 

This is my official request to have the aforementioned items to be deleted off my report. Enclosed may be additional evidence to support my claim Sincerely, XXXX XXXX