Consumer complaint received 2024-02-02
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc. (MD)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it.

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating some accounts. 

I demand you to remove this account from all XXXX of my credit reports asap or I will have no choice but to forward this to my litigation attorney for furnishing a false account on my credit report. 

Please see below XXXX XXXX {$3200.00} Closed Account info Account name XXXX XXXX Account number XXXX ( doesn't event have the full account number ) Original creditor - Company sold - Account type Cell Phone Date opened XXXX XXXX, XXXX Open/closed Closed Status Collection account. {$3200.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Please remove these addresses below as well! I DO NOT LIVE HERE! It NEEDS TO BE UPDATED! 

I recently conducted an investigation on my credit report, which has caused severe distress. I discovered unverifiable, invalidated, inaccurate, and questionable items that your agency failed to ensure were reported accurately, as mandated by 15 U.S. Code 1681e ( b ) on the accuracy of reports.

According to 15 U.S. Code 1681i ( 5 ) regarding the treatment of inaccurate or unverifiable information, if, after any reinvestigation under paragraph ( 1 ), any disputed information is found to be inaccurate, incomplete, or can not be verified, the consumer reporting agency is required to : ( i ) promptly delete that inaccurate information from the consumer 's file or modify it appropriately based on the reinvestigation results, and ( ii ) promptly notify the furnisher of that information about the modification or deletion from the consumer 's file. 

If you are unable to provide me with verifiable proof within 15 days after your investigation, I request that you remove the accounts and/or the listed information. Thank you for your assistance with this matter. 

XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX current address is XXXX XXXX XXXX, XXXX MD XXXX