Consumer complaint received 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have reasonable cause to believe that I have been extorted! 
XXXX XXXX XXXX engaging in unlawful extortion means by knowingly furnishing false and misleading information while having reasonable cause to believe the information is inaccurate. I have reason to believe this was done to coerce me to make payments of an alleged debt without proof of claim. I am aware that nothing under the Fair Credit Reporting Act REQUIRES a financial institution to furnish negative information to a consumer reporting agency. I DID NOT and I DO NOTconsent to any negative information being disclosed to nonaffiliated third parties without my lawful authority. XXXX XXXX XXXX and the consumer reporting agencies involved have used my nonpublic personal information without my lawful authority to bring harm to me and my financial reputation. XXXX XXXX XXXX along with the help of the Consumer Reporting Agencies are knowingly and willingly committing aggravated identity theft to collect on an extension of credit and punish me for nonpayment thereof. This is a violation of 18 U.S. Code 1028A and 18 U.S.

Code 894 and everyone involved shall be held criminally liable for engaging in racketeering activity. 
I would like XXXX XXXX XXXX to provide me with any documentary material certifying that I gave my lawful consent for my nonpublic personal information to be disclosed to nonaffiliated third parties. If this documentary material can not be provided, this has been fraudulently furnished information with forethought and malice as a means of bringing harm to me and my financial reputation. 
( Company ) has not only listed this account as a collection, but also as a charge-off. It is a violation under 15 U.S. Code to operate under both. However, if you have in fact charg
ed this account off, I am requesting that you provide me with : verification of this alleged debt ( proof that its owed ), audit certification of debt entry in accordance with GAAP, audit certification of debt entry in accordance with IRS Publication 583, Proof of loss, Money audit trail as defined under 12 U.S. Code 5562, Billing error and any documentary evidence as defined under 15 U.S. Code 44.

If this account is in fact a collection account, I am requesting that you provide me with : the original signed contract and NOT a copy, a chain of title, your errors and omissions policy number, proof that you are licensed to be a debt collector in the state of Georgia and any documentary evidence as defined under 15 U.S. Code 1692.

If this documentary material can not be provided, this has been fraudulently furnished information and any other documentation will be considered as such.

I revoke your power of attorney, which may have been used in connection with this transaction which includes any derivative, hypothetication, trades, transfers of possession, whether voluntary or involuntary involving any and every instrument which may have occurred unbeknownst to me. I demand a full revocation of such document ( s ) ; nunc pro tunc.

This is my last and final attempt to address this matter before escalating this matter to a United States District Court and insuring that everyone involved in this conspiracy is brought up on charges. 
This is my written instruction : Delete all negative information from my consumer report. 
XXXX the balance. 
UPDATE to PAID AS AGREED. 
Best Regards, XXXX XXXX Without Prejudice, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX Last XXXX digit of 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