XXXX XXXX XXXX XXXX has damaged my Experian credit file and due to their reporting tactics my credit score has been reduced by 44 points and counting because of their unauthorized reporting and of {$100.00} past due and erroneously stating my account is Joint and that the original debt was $ XXXX. Since XX/XX/XXXX, I was sold a vacation plan as a mortgage for a property I have not seen. Based on the plan I was advised that I would accumulate points for my family and to take vacations bi annually since I was highly reluctant to sign up for a resort vacation plan. Once I had enrolled I found several road blocks to using the points all resulting in additional out of pocket money being required. This plan was supposed to be unique for me since I stated I am less likely to travel a great distance annually for vacation and would not be a good fit. They told me I could use points for other resorts near my home. I found that I had to pay steep fees to exercise this option including rolling points over annually to use for other options like hotels, car rentals etc. I have repeatedly complained about XXXX experience stating I no longer want the account. I agreed to attend an Owner 's meeting in XXXX XXXX in XX/XX/XXXX where I further told them about my difficulties with using the plan. I was told by the sales person, " Your plan is not a favorable one and should not have been sold to you because it does not allow for the use of the plans benefits ''. He further offered to upgrade me to another plan which I declined. Of the 8 years, the owner 's meeting in XXXX XXXX was the only time I stayed at their Resort for the owner 's meeting. Since XXXX I have paid {$9600.00} plus $ XXXX in taxes and annual fees. My account is now down to $ XXXX and there should be no reason they would not release me from this life sentence package. On XX/XX/XXXX, I contacted XXXX XXXXXXXX XXXX to request our timeshare be cancelled. The sent me a foreclosure threat letter on XX/XX/XXXX and a letter dated XX/XX/XXXX declining to cancel the timeshare. My Experian report reflects 1 negative account throughout my credit history and it is for XXXX XXXX XXXX XXXX 's {$100.00} past due as of XX/XX/XXXX. I specifically told them I had no desire to purchase a product that would impact my credit, nor did they get permission to obtain my credit file. In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX as has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy.15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. I attempted to dispute with Experian and the returned results in less than a few days with erroneous report.