Consumer complaint received 2024-02-03
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. (TX)

XX/XX/XXXX i received a daunting correspondence from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX stating and I state verbatim. 

XXXX XXXX XXXX is a debt collector. We are trying to collect a debt that you owe to XXXX XXXX XXXX XXXX XXXX. We will use any information you give us to help collect the debt. We would like to offer you the opportunity to resolve your account for less than the total amount of the debt. The creditor will accept {$280.00} to resolve your account if the payment is received by XX/XX/XXXX. We are not obligated to renew this offer. This offer and the timeframe for accepting it does not in any way affect your right to dispute or request verification of the debt by XX/XX/XXXX as described in this letter. If you do not accept this offer, you are not giving up any of your rights regarding this debt. 


You had an XXXX XXXX XXXX XXXX XXXX account with account number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, you owed : Between XX/XX/XXXX and today : {$1500.00} You were charged this amount in interest : + {$0.00} You were charged this amount in fees : You paid or were credited this amount + {$0.00} toward the debt : {$1000.00} Total amount of the debt now : {$570.00} Call or write to us by XX/XX/XXXX todisputeallor part of the debt. If you do not, we will assume that our information is correct. 
If you write to us by XX/XX/XXXX, wemuststop collection on any amount you dispute until we send you information that shows you owe the debt. You may use the form below or write to us without the form. You may also include supporting documents. We accept disputes electronically at XXXX. 
XXXX Whatelse can you do? 
Write to ask for the name and address of the original creditor, if different from the current creditor. If you write by XX/XX/XXXX, we will stop collection until we send you that information. You may use the form below or write to us without the form. We accept such requests electronically at XXXX. 
Go to XXXX XXXX XXXX to learn more about your rights under federal law. For instance, you have the right to stop or limit how we contact you. 
Contact us about your payment options. To Make Online Payments Visit : XXXX Use Reference Number : XXXX Your XXXX I can find many things wrong with this daunting letter from this alleged creditor who is clearly trying to swindle {$280.00} out of the claimant is theres more than five or six violations for one is permissible purpose because XXXXXXXX XXXX XXXX XXXX report XXXX my consumer report without my permission, consent, or knowledge, until after the fact which was right away, disputed and taken down, which deletion proves no admissible purpose, trying to connect a debt at the same time as the original creditor, trying to collect a debt as well sitting here, looking at that collection letter with over seven violations and Im looking for monetary relief cease and desist on XXXX XXXX XXXX XXXX