Consumer complaint received 2024-11-17 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute and Cease and Desist Request for Alleged Debt Collection by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX XXXX , I am writing to formally dispute and request the immediate removal of a collection account listed by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. This collection account on my credit report is inaccurate and unjustly damaging, especially given that a Default Judgment has been issued in my favor against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX by the XXXX XXXX XXXX XXXX. This ruling highlights both XXXX negligence and the invalidity of the alleged debt, making your collection efforts unlawful under the circumstances. 

Validation Request Per the Fair Debt Collection Practices Act ( FDCPA ), I request full validation of this alleged debt. Please do not send statements or summary account listings, as statements alone are insufficient proof of a debt per XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I require full documentation to substantiate any claim you make regarding the debts existence, origin, and validity. Failure to provide this documentation will confirm that no verifiable debt exists. 

Cease and Desist Demand and Credit Reporting Notification This letter serves as a formal cease and desist for all forms of communication, including consumer reporting. Any entry or report by you to consumer reporting agencies is considered a form of communication, and as such, this cease and desist extends to the deletion of this alleged debt from my consumer reports. 

Costs Associated with Legal Action for Harassment and Abuse Should you continue to pursue this matter unlawfully, I am prepared to seek damages for harassment and abuse under applicable state and federal laws. If I proceed with litigation, my claims will include the following costs, which will be demanded in court : Filing and Court Fees : {$500.00} Attorney Fees : {$2500.00} Emotional Distress and Financial Hardship Damages : {$5000.00} Statutory Damages under FDCPA : {$1000.00} Additional Damages as Allowed by Law Legal Basis for Collection Removal The Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) mandates that only accurate and complete information appear on consumer credit reports. Your collection entry violates the FCRA, as the courts Default Judgment in my favor invalidates the underlying debt. Furthermore, the judgment underscores XXXX negligence and acknowledges my claims against the conditions and breaches, which caused this dispute. 

The presence of this collection has significantly impacted my financial stability, hindering my ability to secure a mortgage and purchase a home for my family. In light of the hardship caused by this inaccurate reporting and the substantial protections provided under FCRA, I request your immediate action to remove this collection from my credit report within 14 days of receipt of this letter. 

Request for Immediate Action Enclosed is a copy of the Default Judgment order from the XXXX XXXX XXXX XXXX as further evidence of the invalidity of this alleged debt. Please investigate this matter promptly and provide written confirmation within 14 days that this collection has been permanently removed from my credit file. Failure to comply will leave me no choice but to take legal action to enforce my rights and seek damages for your continued attempts at collection. 

Thank you for your prompt attention to this matter. I look forward to your immediate response and confirmation of the collection removal to rectify this injustice. 

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