Consumer complaint received 2024-07-02 00:00:00
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.
State: OK

Complaint narrative:
Regarding the XXXX XXXX XXXXXXXX XXXX  dent listed under account number XXXX {$4400.00} opened on XX/XX/XXXX and last status updated of XX/XX/XXXX. Legal you are in violations and in the wrong for allowing this debt to remain on my credit report and here is why. Per usage contract and based off of the fact that USA is a Texas based company which is who holds this debt there was a Texas State Financial code section 392 and 307 that was passed in XXXX and XXXX in the state of Texas this code covers this exact type of debt in the jurisdiction that this debt lies in this financial state code for Texas states that a debt of this nature can not restart the clock once the clock has started for the statute of limitations which is four years in the state of Texas if you take XXXX years from the date of XX/XX/XXXX that puts you at XX/XX/XXXX. It is now XX/XX/XXXX and you still have this debt remaining on my credit report. This debate is past the statue of limitations and has not been paid on or communicated in any type of way nor updated since XXXX and XXXX. The company fraudulently changed it to XXXX and XXXX to try to buy themselves time however that time has come and gone as well and we're well over a year past the statue of limitations. This debt needs to come off of my credit immediately. A financial attorney and have no problems suing you I have the means and the financial backing to do so I never use my credit that is why it is what it is however this debt is not mine in the first place and was a fraudulent debt placed in my name however I am done arguing with XXXX about whether that is the case or not regardless of the fact if it is or not you experience are in violation of this Texas financial code and it remaining on my credit report another day longer. You need to remove this debt immediately and And remove it from my experience credit profile immediately. Already been removed last year on the other two credit bureaus you guys are the very last ones to even be reporting this and you need to not allow XXXX to re report the debt and you need to take it completely off of my credit you already have it listed as a closed account that's because it was closed years ago however you were continuing to let them update the account and report on the account even though it is way past the statute of limitations and they have no right in the state of Texas which is who holds the jurisdiction over this debt due to the location of XXXX and this debt being held internally by XXXX. I am pass a point of asking you to do the right thing and abide by the law. You are either going to remove this debt or I am going to open a lawsuit sue you please accept this as my demand letter I will give you 60 days to correct this after the 60 days I will come after you for damages and will easily be awarded them per Texas state code which is where this loss we will end up taking place and they will see that their own law falls within jurisdiction over subject matter and person and you experience will be in the wrong and that will be easily seen and you will owe me a lot of money because you were doing a lot of damage to my credit.

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