Consumer complaint received 2025-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
XXXX XXXX XXXX XXXX, Kentucky XXXX of Birth : XXXX # : XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX Subject XXXX Violation of United States Code Law and Request for Immediate Action To Whom It May Concern, I am writing to address a serious violation of the United States Code Law and to demand immediate action regarding fraudulent accounts that have been erroneously reported under my name. This infringement on my privacy, as outlined in 15 U.S. Code 1681a ( 4 ) regarding the Consumer Right to Privacy, is unacceptable. I have the right to determine what information I deem private, and in this case, I explicitly request that my hard inquiry and account information not be shared on my credit report. 

By reporting misleading information that suggests I have applied for numerous inquiries and accounts, you have violated the Fair Debt Collection Practices Act ( FDCPA ) 807, which prohibits misleading and false reporting. These false reports can mislead future creditors and create a distorted image of my credit history. It is crucial to note that you did not witness me signing for these inquiries or accounts, and therefore, you can not verify their accuracy. This disregard for the Fair Credit Reporting Act ( FCRA ) regulations regarding fairness is a clear violation. 

Moreover, you have willfully accepted credit information about me without verifying its authenticity, which is a direct violation of 15 U.S. Code 1681n. This willful noncompliance is punishable by law, with penalties of up to {$1000.00} per violation. Additionally, sharing my personal information with numerous creditors without obtaining my consent beforehand amounts to criminal liability for aggravated identity theft, as stipulated in 18 U.S. Code 1028A.

I am deeply disappointed by your failure to disclose my right to opt out of sharing this information, as required by 15 U.S. Code 6802 ( b ) ( 1 ) ( a ) ( A ) ( B ) ( C ). This lack of transparency is deceptive and has violated my consumer rights. I feel taken advantage of and believe that my consumer rights have been violated. 

Furthermore, your act of furnishing inaccurate inquiries and accounts without proper validation, as outlined in FDCPA 8012, is concerning. These accounts were never validated according to Generally Accepted Accounting Principles ( GAAP ), casting doubt on their accuracy. Additionally, you have reported that I owe a " debt, '' yet there is no evidence of a negative balance on my credit report. This contradictory reporting is deceptive and misleading. 

Your practices are also in violation of 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect debts. There is no law that obligates me to pay a bill. Moreover, your use of a logo instead of your address on the envelopes sent to me signifies that you are a debt collection business, a violation of 15 U.S. Code 1692f ( 8 ). 

It is important to understand the definitions and rules of construction outlined in 15 U.S. Code 1602. The term " person '' refers to both natural persons and organizations, while " credit '' denotes the right granted by a creditor to a debtor to defer payment of debt or incur debt and defer its payment. By furnishing inaccurate information relating to me, the consumer, you have violated 15 U.S. Code 1681s-2. 

As the original creditor, I do not grant you the right to defer any payments to me, as stated in 15 U.S Code 1681a ( 4 ) regarding the Consumer Right to Privacy. Reporting highly private matters on my credit report, such as where I have applied and to whom I owe money, violates my consumer rights. Moreover, your sharing of this information has led to severe paranoia, necessitating medication. I hold you liable for any damages resulting from your illegal activities. 

Your actions have left me feeling harassed and abused. Despite contacting the creditors and informing them of the inaccuracies, they continue to report negatively on my credit report without my consent. Each time I review my credit report and encounter these inaccurate items, I feel further abused. The constant calls and letters from creditors regarding unverified " debts '' from the original creditor exacerbate this sense of harassment. 

It is crucial to recognize that identity theft, as defined in Section 1581a ( 3 ), involves fraud committed using another person 's identifying information. In this case, the creditors have illegally obtained my information without my true consent and used it to obtain credit from other financial institutions, constituting identity theft.

Furthermore, your communication with third-party credit reporting agencies has violated 15 U.S. Code 1692b ( 2 ), which states that debt collectors should not indicate that a consumer owes any debt when communicating for the purpose of acquiring location information. Yet, these debt collectors have contacted these agencies, providing my information, including my address, and falsely reporting a " debt '' without authorization.

Your reporting of " late payments '' on my credit report, without a clear definition of " late payment '' in relevant laws such as the Truth in Lending Act ( TILA ), FCRA, or FDCPA, is inaccurate and deceptive. Your responsibility as a credit reporting agency is to report only accurate information in compliance with FCRA laws.

According to 15 U.S. Code 1605, a finance charge is defined as the sum of all charges in a consumer credit transaction. It is essential to adhere to this definition when reporting finance charges. 

The bad debt that has been furnished on my credit report is damaging my reputation and amounts to defamation of character, violating 15 U.S. Code 1692d ( 1 ). I have attached my consumer report as an exhibit to provide evidence of this violation.

As the original creditor, I want to emphasize that I am not participating in this collection of debt, making any contract I signed a violation of 15 U.S. Code 1692j.

Regarding multiple alleged debts, as stipulated in 15 U.S. Code 1692h, I request the return of any payments made on these invalid debts to be mailed to me via check. 

Under 15 U.S. Code 1692g, I, as the original creditor, hold the sole authority to validate any debts. I do not validate the alleged debts or accounts you have reported. Your attempt to mislead me into believing that you are the original creditor is deceptive. I am the only entity capable of extending credit, making me the original creditor. Therefore, these non-existent debts must be removed.

In accordance with 15 U.S. Code 1681b on the permissible purposes of consumer reports, I have never given you written consent to report anything on my consumer report. Any such reporting without my consent is a form of identity theft. 

I, XXXX XXXX, the natural person, did not consent to, authorize, nor benefit from any of the inquiries or accounts mentioned. They are inaccurate, and I demand that you block and remove them immediately. I have already filed FTC reports, which are attached. My identity was stolen, resulting in the application of fraudulent and inaccurate accounts without my consent. Furthermore, these credit reporting agencies have reported this false and misleading information, which is in direct violation of the FCRA laws. I expect you to complete the required reinvestigation under 15 U.S. Code 1681c2 and block or update all information resulting from this identity theft within four days of receiving this letter. Failure to do so would be a violation of the law, and you will be held criminally and civilly liable for all fees as listed in the attached invoice. Please remove all fraudulent accounts, as I have no knowledge of any such accounts due to the XXXX and Experian data breach and subsequent identity theft. The FTC and CFPB are actively investigating this matter. According to FCRA XXXX, this information must be blocked immediately until the investigation is concluded. Additionally, under XXXX XXXX XXXX, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, you are liable for actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.

Under 15 U.S.C. 1681g, I have the right to demand that you disclose all the documents recorded and retained in your file at the time of the request concerning the accounts you have reported on my credit report.

It is imperative that you do not respond to my request by merely stating that the accounts have been verified by the information provider. I demand copies of the documents you have retained in your files, which your company used to verify the accuracy of these disputed accounts.

I demand that the following account be verified or removed immediately : 1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, KY XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, KY XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, KY XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, KY XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX As the consumer, I am aware that I hold all the power. As a XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt exists. Therefore, I, as a consumer ( XXXX XXXX ), who possesses all the power, insist that these inaccurate accounts mentioned in this letter be deleted immediately. Failure to comply will result in my pursuit of monetary damages in small claims court in my city and state. Considering that I have attached my identification, proof of address, and Social Security card, this complaint should identify someone whom your company should recognize as their customer or authorized representative. Furthermore, I have already involved and sent this letter to the Consumer Financial Protection Bureau, the Attorney General 's Office, the XXXX XXXX XXXX, and the Federal Trade Commission. Your erroneous reporting, resulting from the Equifax and Experian data breach, constitutes a direct violation of 15 U.S. Code 1681. These inaccurate inquiries and accounts must be addressed across all three credit bureaus : Experian, XXXX, and Equifax. 

I certify that this request to block information was not made in error, nor was it based on any material misrepresentation. Moreover, I did not knowingly obtain or possess goods, services, or money as a result of any of the transactions I seek to block. If, by chance, I did receive goods and services, I request that a senior executive certify in writing, under the penalty of perjury, that I indeed received such goods and services as a result of this transaction, as specified in 15 U.S. Code 1681B ( a ) ( 2 ). 

Additionally, I request that you provide me with validation of all debts in accordance with GAAP. If you are unable to fulfill this request, you must remove these debts promptly. 

Thank you for your immediate attention to this matter. Failure to address these concerns adequately will result in further legal actions to protect my rights as a consumer. 

Sincerely, 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