Consumer complaint received 2025-08-19 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: MD

Complaint narrative:
This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the FDCPA laws. I humbly request that your agency/ office sends me valid proof of claim that I am legally obligated to pay you. 

Please provide me with the below mentioned items : * The amount you claim the Respondent owes you * An explanation showing me how you have computed the amount. 
* Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( SOL ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent. 

I would like to inform you that in case your agency has reported invalidated account information to any of the three main credit bureaus such as TransUnion, Equifax, Experian, then it will be regarded as a fraudulent action under both federal and state statutes. Due to this reason, if any negative item is reported to any of my credit reports by your agency or the agency that you represent, then I will be compelled to take legal steps against you for the below mentioned reasons : * Violation of the Fair Credit Reporting Act ( F.C.R.A. ) * Violation of the F.D.C.P.A. 
* Use of my copyrighted property * Violation of the Fair Credit Reporting Act section 1681b * Misrepresentation of facts 5. Please verify, under penalty of perjury, that you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity. 

6. Please provide ( a ) : copy of the certified, notarized contract made between ___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________and any of the previous alleged holders in due course of the alleged, original contract, validation, signed under penalty of perjury, from the stated creditor that you are under contract with them and authorized to act for them and forward a certified, notarized copy of the licenses ' and Bar Card Numbers of any and all Attorney 's involved in this fraudulent action to operate in all creditors ( b ) contact information of your hazard/insurance bond holder to allow me to place a line against those funds until a court hearing. 
7. Please verify, under penalty of perjury, that if you fail to validate the alleged debt in thirty ( 3 ) davs and continue your fraudulent actions pertaining to this alleged debt you agree to pay to me, {$10000.00} by bank check, 8. Please verify, under penalty of perjury, that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing that you know is false with the intention that others rely on the written communication to the detriment of the name. 

Should you REFUSE OR FAIL to comply with the terms of this DISPUTE AND REQUEST FOR VALIDATION and choose to pursue this matter further, you will be doing so to your own detriment. You will be brought into a full-scale FEDERAL TRADE COMMISSION `` COMPLIANCE '' investigation for your unlawful conduct and fraudulent behavior by the agencies listed below. All your fraudulent actions and claims will be exposed to all fines, damages ( treble damages ) and sanctions will be brought to bear against you. 
Summary : [ Section 242 of Title 18 ] makes it a crime for a person acting under color of any law to willfully deprive a person of a right or privilege protected by the Constitution or laws of the United States of America. 

To wit : " A national Bank can not lend its credit to another by becoming surety, endorses, or guarantor for him, such an act being ultra vires '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

For Section 242, acts under " color of law '' include acts not only done by federal, state, or local officials within their lawful authority, but also acts done beyond. 
the bounds of that official 's lawful authority, if the acts are done while the official is purporting to, or pretending to, act in the performance of his/her official duties. Persons acting under color of law within the meaning of this statute include police officers, prisons guards and other law enforcement officials, as well as judges, lawyers, care providers in public health facilities, and others who are acting as public officials. It is not necessary that the crime be motivated by animus toward the race, color, religion, sex, handicap, familial status, or national origin of the victim. 

The offense is punishable by a range of fines up to {$250000.00}, imprisonment up to a life term, or the death penalty, depending upon the circumstances of the crime, and the resulting injury, if any. 

Any proceedings on the Above Case, including the re-sale of the alleged debt information for the purpose of collection by any other debt collector/company, taken without first responding timely to this letter by the party ( XXXX ) will be deemed prima facie evidence of fraud by mail and racketeering against the party ( XXXX ). 
The ORIGINAL CREDITOR :, its agents, assigns, principals, and counsel. Silence is acquiescence ; acquiescence is estoppel. 
This is an official notice debating your extortion and fraudulent claim of " debt ''. 
the true party in interest. 

* Violation of the Fair Credit Reporting Act ( F.C.R.A. ) * Violation of the F.D.C.P.A. 
* Use of my copyrighted property * Violation of the Fair Credit Reporting Act section 1681b * Misrepresentation of facts I would like to further inform you of the following laws * 15 U.S. Code 1692g - Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing * 15 U.S. Code 1681n - Civil liability for willful noncompliance U.S. Code ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of {$20000.00} I also want to remind you of the following laws : - 15 U.S. Code 1692g : Validation of Debts - 15 U.S. Code 1681n : Civil Liability for Willful Noncompliance - LII U.S. Code Title 15 CHAPTER 41 SUBCHAPTER III 1681s2 : Responsibilities of Furnishers of Information to Consumer Reporting Agencies Under these laws, I have the right to dispute the accuracy of any information reported to consumer reporting agencies. If I notify you in writing within 30 days of receiving this notice that the information is inaccurate, you must stop collection activities until you have verified the information and provided me with a copy of the verification. 

I also want to clarify that my request for validation of the debt does not imply any admission of liability. It is my right to do so under the FDCPA, and failure to comply with this law may result in civil liability. 

Please remove the following accounts from my credit report : XXXX XXXX XXXX XXXX XXXX  XXXX  defense finance edc l XXXX XXXX XXXX  XXXX XXXX XXXX XXXX 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