Consumer complaint received 2024-03-03 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: TX

Complaint narrative:
1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate. 
XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
2. Contacted Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
3. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
5. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation XXXX XXXX  XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
6. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
7. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681 XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
anything on my consumer reports no consent is fraud. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
9. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX Account Number : XXXX Please remove it from my credit report. 
10. Contacted Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
11. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681 XXXX Account Number : XXXX Please remove it from my credit report. 

Please be advised I dont want to receive any stall tactic computerized response in reply to my dispute letters. All the necessary identity proofs are attached to the mailing. 
Moreover, I expect you to furnish me with an updated and corrected credit report that reflects the removal of these items. I reiterate that all data reported must be complete, accurate, and verifiable. I emphatically deny you any authority to report against me without strict compliance with applicable state and federal laws. 
Let me be unequivocalI will not accept any generic or computerized responses to this letter. I demand a personalized and human response that directly addresses the particulars of my case. Failure to address this matter adequately within the mandated 30-day period, as stipulated by the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), will leave me with no alternative but to pursue aggressive legal action against your company. This may result in seeking damages of {$5000.00} per violation for the following egregious offenses : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violations of the Fair Credit Reporting Act 4. Financial Injury I want to make it abundantly clear that I categorically do not consent to any form of automated verification, including e-Oscar.I expect a prompt acknowledgment of this letter and an immediate initiation of the reinvestigation process. 
The accounts in question must be removed forthwith, and your company is in flagrant violation for failing to provide any means of verifying these accounts.

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 non-monetary relief