Consumer complaint received 2024-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
the account is question with this complaint can be found on the credit profile under a closed account, labeled under the corporation name as " XXXX XXXX '' also better known as XXXX freedom extension of credit. The reason for the dispute is for defamation, financial injury, and willful injury. Pursuant to the following laws and upheld court cases. since this creditor has been reporting false and inaccurate information, the laws that they have violated are as follows US Court of XXXX, XXXX XXXX, XXXX. XXXX, XXXX vs. XXXX XXXX XXXX this would imply fines of {$22000.00} for the missed payments that have been inaccurately reported for the past few years. this is pursuant to 15 USC 1692k ( 1 ) - civil liabilities ( 1 ) any actual damage sustained by such person as a result of such failure ; and to the extent of damages incurred by the wronged party as deemed by the courts. further more. the credit " bureaus '' in reality agencies claiming to be a part of the government, have failed t update my credit profile even after numerous attempts, of attempting to correct the credit information. The precedent law for this claim lies in the following federal laws FCRA XXXX, and XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX for the third circuit case XXXX XXXX XXXX. XXXX. XX/XX/XXXX, filed ( XXXX XXXX XXXX. XXXX ) the fines this violation carries are determined by the extent of the damages incurred by the wronged party, as deemed by the courts. this is further codified In law federal law in 15 USC 1692k ( 1 ) - civil liabilities, Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum ofany actual damage sustained by such person as a result of such failure ; lastly pursuant to 15 USC 1692c ( c ) - cease and desist, this is putting this company on notice to stop all illegal activity, any communication and collection activity, including the reporting of said debt to the credit bureaus, which constitutes, collection activities of this and any alleged debts. until the information that I am requesting the public and private GAAP accounting records of the account being disputed, the name of the original creditor, and the flesh and blood human being that validated the debt. 

this debt collector has also grossly misrepresented the debt, and has also violated federal laws by doing so. the precedent laws that fall under this are Gearing v. XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX. XXXX. XXXX. ( XXXX XXXX XXXX ) and has lastly violated the fair debt collection practices act. also known as the FDCPA. 15 USC 1692e ( 2 ) a - The false representation ofthe character, amount, or legal status of any debt ; or and 15 USC 1692e ( 2 ) b - The false representation ofany services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. these things generally fall under false and misleading representations. this carries violation of 1,000.00 fine per violation and this has 22 counts of violations simply for the missed payments alone.

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