Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (SC)

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against XXXX for their abusive, deceptive, and unfair collection practices in the collection of extensions of credit. In a conspiracy with the consumer reporting agencies XXXX and EXPERIAN to cause a restraint of trade and commerce, this debt collector has engaged in racketeering activity. I have never given this company any consent to be in possession of my nonpublic personal information. I disaffirm any alleged agreement or contract between I, the consumer, and the original creditor, whether implied or explicit. This account is a billing error. Please provide me with documentary evidence of the obligors indebtedness Documentary evidence is NOT photocopies of alleged billing statements from the original creditor. I request that I receive copies of any and all contracts between me and the original creditor and copies of any and all contracts between myself and XXXX. Additionally I am requesting that the consumer reporting agency provide written verification from me that proves I have given them written permission to report this account on my credit report as Also 12 CFR 1016.7 states that a consumer may exercise the right to opt-out at any time. My terms and conditions on my contracts state clearly that these companies will not report nonpublic personal information to non-affiliated third parties. The original creditor, XXXX, XXXX and EXPERIAN are all in violation of the Privacy act of 1974 with the disclosure of nonpublic personal information. Any type of transaction history or account reporting is a violation of that act. 15 USC 1681 section 602 ( a ) states that it is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. I have not received any written correspondence from the original creditor or XXXX XXXX in reference to this alleged collection account. I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts presumed by XXXX XXXX until XXXX XXXX, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and XXXX XXXX continues its collection efforts, I will file for litigation for actual damages caused by the original creditor, XXXX XXXX, Experian, and XXXX. They shall be liable for violations of TILA, FCRA, FDCPA, GLBA, CFPA, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act , FTC ACT and RICO Act. also the statute of limitations on collections for the State of South Carolina is 3yrs as is the statute of limitations on collecting for the State of Delaware where XXXX XXXX is incorporated.