Consumer complaint received 2024-09-06 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: FL

Complaint narrative:
USDOE/XXXX - XXXX - - 15 us code 1681 a ( m ) exclusions- I request that the DEBT COLLECTION PROVIDE PROOF OF THIS ALLEGED ITEM I REQUEST TO BE PROVIDED WITH SPEFICIALLY THE ORIGINAL APPLICATION CONTRACT NOTE OR OTHER INSTRUMENT BEARING MY WET SIGNATURE IN ADDITION ANY CONTRACT SIGNED BETWEEN THE DEBT COLLECTOR AND THE ORIGINAL COLLECTOR ABILITY TO COLLECT THIS ALLEGED DEBT FAILING THAT THE ITEM MUST BE DELETED FROM THE REPORTS AS SOON AS POSSIBLE XXXX XXXX XXXX XXXXXXXX - - 15 us code 1681 a ( m ) exclusions- I request that the DEBT COLLECTION PROVIDE PROOF OF THIS ALLEGED ITEM I REQUEST TO BE PROVIDED WITH SPEFICIALLY THE ORIGINAL APPLICATION CONTRACT NOTE OR OTHER INSTRUMENT BEARING MY WET SIGNATURE IN ADDITION ANY CONTRACT SIGNED BETWEEN THE DEBT COLLECTOR AND THE ORIGINAL COLLECTOR ABILITY TO COLLECT THIS ALLEGED DEBT FAILING THAT THE ITEM MUST BE DELETED FROM THE REPORTS AS SOON AS POSSIBLE US DEPT ED - XXXX - - 15 us code 1681 a ( m ) exclusions- I request that the DEBT COLLECTION PROVIDE PROOF OF THIS ALLEGED ITEM I REQUEST TO BE PROVIDED WITH SPEFICIALLY THE ORIGINAL APPLICATION CONTRACT NOTE OR OTHER INSTRUMENT BEARING MY WET SIGNATURE IN ADDITION ANY CONTRACT SIGNED BETWEEN THE DEBT COLLECTOR AND THE ORIGINAL COLLECTOR ABILITY TO COLLECT THIS ALLEGED DEBT FAILING THAT THE ITEM MUST BE DELETED FROM THE REPORTS AS SOON AS POSSIBLE US DEPT ED - XXXX - - 15 us code 1681 a ( m ) exclusions- I request that the DEBT COLLECTION PROVIDE PROOF OF THIS ALLEGED ITEM I REQUEST TO BE PROVIDED WITH SPEFICIALLY THE ORIGINAL APPLICATION CONTRACT NOTE OR OTHER INSTRUMENT BEARING MY WET SIGNATURE IN ADDITION ANY CONTRACT SIGNED BETWEEN THE DEBT COLLECTOR AND THE ORIGINAL COLLECTOR ABILITY TO COLLECT THIS ALLEGED DEBT FAILING THAT THE ITEM MUST BE DELETED FROM THE REPORTS AS SOON AS POSSIBLE US DEPT ED - XXXX - - 15 us code 1681 a ( m ) exclusions- I request that the DEBT COLLECTION PROVIDE PROOF OF THIS ALLEGED ITEM I REQUEST TO BE PROVIDED WITH SPEFICIALLY THE ORIGINAL APPLICATION CONTRACT NOTE OR OTHER INSTRUMENT BEARING MY WET SIGNATURE IN ADDITION ANY CONTRACT SIGNED BETWEEN THE DEBT COLLECTOR AND THE ORIGINAL COLLECTOR ABILITY TO COLLECT THIS ALLEGED DEBT FAILING THAT THE ITEM MUST BE DELETED FROM THE REPORTS AS SOON AS POSSIBLE XXXX XXXX XXXXXXXX - - 15 us code 1681 a ( m ) exclusions- I request that the DEBT COLLECTION PROVIDE PROOF OF THIS ALLEGED ITEM I REQUEST TO BE PROVIDED WITH SPEFICIALLY THE ORIGINAL APPLICATION CONTRACT NOTE OR OTHER INSTRUMENT BEARING MY WET SIGNATURE IN ADDITION ANY CONTRACT SIGNED BETWEEN THE DEBT COLLECTOR AND THE ORIGINAL COLLECTOR ABILITY TO COLLECT THIS ALLEGED DEBT FAILING THAT THE ITEM MUST BE DELETED FROM THE REPORTS AS SOON AS POSSIBLE HOW DO YOU EVEN REPORT AN UNKOWN AS A CREDITOR?? HOW DO YOU REPORT SOMEONE YOU OR I DONT EVEN KNOW!! THIS IS ILEGAL PLEASE DELETE THIS! YOU ARE CAUSING ME STRESS AND XXXX XXXX XXXX XXXXXXXX - 15 us code 1681 a ( m ) exclusions- I request that the DEBT COLLECTION PROVIDE PROOF OF THIS ALLEGED ITEM I REQUEST TO BE PROVIDED WITH SPEFICIALLY THE ORIGINAL APPLICATION CONTRACT NOTE OR OTHER INSTRUMENT BEARING MY WET SIGNATURE IN ADDITION ANY CONTRACT SIGNED BETWEEN THE DEBT COLLECTOR AND THE ORIGINAL COLLECTOR ABILITY TO COLLECT THIS ALLEGED DEBT FAILING THAT THE ITEM MUST BE DELETED FROM THE REPORTS AS SOON AS POSSIBLE HOW DO YOU EVEN REPORT AN UNKOWN AS A CREDITOR?? HOW DO YOU REPORT SOMEONE YOU OR I DONT EVEN KNOW!! THIS IS ILEGAL PLEASE DELETE THIS! YOU ARE CAUSING ME STRESS AND XXXX XXXX XXXX XXXXXXXX - 15 us code 1681 a ( m ) exclusions- I request that the DEBT COLLECTION PROVIDE PROOF OF THIS ALLEGED ITEM I REQUEST TO BE PROVIDED WITH SPEFICIALLY THE ORIGINAL APPLICATION CONTRACT NOTE OR OTHER INSTRUMENT BEARING MY WET SIGNATURE IN ADDITION ANY CONTRACT SIGNED BETWEEN THE DEBT COLLECTOR AND THE ORIGINAL COLLECTOR ABILITY TO COLLECT THIS ALLEGED DEBT FAILING THAT THE ITEM MUST BE DELETED FROM THE REPORTS AS SOON AS POSSIBLE HOW DO YOU EVEN REPORT AN UNKOWN AS A CREDITOR?? HOW DO YOU REPORT SOMEONE YOU OR I DONT EVEN KNOW!! THIS IS ILEGAL PLEASE DELETE THIS! YOU ARE CAUSING ME STRESS AND 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