Consumer complaint received 2023-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

Complaint:
I sent the following letter requesting a thorough investigation of my credit report and accounts that are inaccurate and/or erroneous, XXXX and Experian did not repay to my letter that was dated XXXX XXXX, XXXX. The letters sent was notarized, recorded and sent certified mail with return receipts. 

To whom it may concern : Please note that this is not a refusal to pay off any account, but a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C. 1692 ( G ) Section 809 ( B ). This notice states that all claims of every account are hereby disputed, and validation of the accounts is required. 
This is not a request for verification of the accounts or proof of my mailing address but a request for validation made pursuant to the F.D.C.P.A. laws, I humbly request that your office sends me valid proof of claim that I am legally obligated to pay. 
Please provide me with the below mentioned items : Copy of my written consent to form a credit report on behalf of entity XXXX XXXX XXXX XXXX ; The amount they claim the Principal owes them ; An explanation showing me how they have computed the amount ; Contract with both WET INK signatures ; Copies of any documents that prove I agreed to pay the alleged amount ; The identity of the original creditor ; Confirmation that the account has not crossed that statute of limitation ( XXXX ) period ; Evidence that they are a licensed debt collector ; Evidence of your license numbers and your registered agent. 
I would like to inform you that in case your agency does not remove all negative information entered onto my credit report with no accurate validation, then it will be regarded as a fraudulent action under both federal and state statutes. Due to this reason, if any negative item reported to any of my credit report ( s ) is not removed, then I will be compelled to take legal steps against you for the below mentioned reasons : Violation of 15 U.S.C. 1681a ( 2 ) ( a ) ( 1 ) Violation of 15 U.S.C. 1681 ( a ) ( 2 ) Violation of 15 U.S.C. 1681 ( a ) ( 4 ) Violation of 15 U.S.C. 1681 ( b ) Violation of 15 U.S.C. 1681b ( c ) Violation of 15 U.S.C. 1681n ( a ) Violation of 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( A ) ( i ) Violation of 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( B ) ( i ) Violation of the Fair Credit Reporting Act ( F.C.R.A. ) Violation of the Fair Debt Collection Practices Act ( F.D.C.P.A. ) Actual Malice Defamation of Character Negligent Enablement of Identity Fraud Violation of Consumer Data Industry Association Metro 2 Standards of Practices I would like to further inform you that if any action is taken during the validation period which could be regarded as detrimental to any of my credit reports, then I will seek advice about initiating a potential lawsuit. This includes listing any information on a credit report that could be incorrect or invalidated, or confirming an account as correct when, in fact, there is no provided evidence that it is. 
If your agency can provide me with the requested documents, I will need a minimum of thirty ( 30 ) days to investigate this information, and during this period or time, all collection activities and negative reports must be stopped and removed. 
Also, I request that they provide evidence that I must pay in anything other than commercial paper should the debt be proven valid because, to my knowledge, the U.S. Congress provided the appropriate remedy for me to settle my debts via remedy in House Joint Resolution ( H.J.R. ) 192 of XXXX  XXXX, XXXX, under the United States, Public law 73-10 and many others. 
If your agency fails to respond to this debt validation and correction request satisfactorily within ten ( 10 ) days of receipt of this certified letter as well as my notice and affidavit, then the account information must be completely deleted from my credit report, and a copy of such deletion request should be sent to me at once, or I will take legal action seeking up to {$1000.00} per violation listed above. 
I would also like to request, in writing, that no calls should be made by your agency at my residence or workplace. If your agency attempts to make unlimited or computer-generated calls to me or any third parties, then it will be considered harassment, and I will have no option except to file a lawsuit. All future communications with me should be done in writing, addressed, and sent to the address mentioned in this letter via certified mail. Further, any correspondence must be made in form of a affidavit under penalty of perjury and sent certified mail. Any other form of service shall be deemed defective upon its face. 
It would be advisable that your records are in legal order before I am forced to take legal action. This is an attempt to correct your records. Any information obtained shall be used for that purpose. 
Negative information consists of however, not limited to late payments, foreclosures, in collection account, charge offs, denials, and hard and soft inquires never approved through my written consent. 
P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

Correct information that is allowed and should be entered : Name : XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX SSN : XXXX Address : ( Private nondomestic ) Should not be on account Phone Number : ( XXXX ) XXXX Employer : XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation