Consumer complaint received 2025-06-23 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:
XXXX XXXX XXXX, XXXX All Rights Reserved Without Prejudice UCC XXXX XXXX where prohibited by law C/O XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Re : Formal Dispute of Fraudulent Account No. XXXX Identity Theft, Constitutional Violations, and Demand for Federal Compliance To Whom It May Concern : This letter serves as FORMAL NOTICE AND DEMAND UNDER FEDERAL LAW regarding your reporting and collection activities related to an alleged debt in the amount of {$110.00}. I hereby state under penalty of perjury that : I have no knowledge of this alleged account, I did not authorize any transaction or contract with your agency or the original creditor, I have not been afforded DUE PROCESS or JUDICIAL REMEDY to respond to these claims. Therefore, I assert that this is a case of aggravated identity theft, as well as a direct violation of constitutional rights and federal consumer protection laws. ________________________________________ LEGAL BASIS FOR DISPUTE Your companys actions constitute serious legal breaches, including violations of the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and my constitutional right to due process under the XXXX XXXX. Due Process Violation Constitution, XXXX XXXX By reporting this alleged debt to consumer reporting agencies without any judicial finding, verified contract, or court ruling, you have acted as judge, jury, and executioner over my financial standing. This is a direct deprivation of property and reputation without legal process, and it will not be tolerated. Failure to Validate XXXX FDCPA 809 ( 15 U.S.C. 1692g ) You have failed to provide proper debt validation, including : A contract or application bearing my wet signature, A full itemized breakdown of the alleged charges, Lawful proof of assignment and chain of custody from the original creditor. Unauthorized Credit Report Access FCRA 604 ( 15 U.S.C. 1681b ) You accessed and utilized my consumer credit report without a verified permissible purpose and without my consentthis constitutes a willful FCRA violation. XXXX XXXX XXXX FCRA 623 ( 15 U.S.C. 1681s-2 ) You reported and continued to furnish false and unverified information to XXXX, Experian, and XXXX even after receiving notice of identity theft and dispute. Continued XXXX on XXXX XXXX FDCPA 807808 ( 15 U.S.C. 1692e, 1692f ) Collection efforts on a disputed, unverified, and fraudulent debt constitute false representation and unfair and unconscionable collection activity. Violation of Identity Theft Protections FCRA 605B ( 15 U.S.C. 1681c-2 ) You failed to honor required actions under FCRA when notified of identity theft, including proper investigation and cessation of reporting. ________________________________________ DEMANDS FOR REMEDY In accordance with federal law, I hereby demand : Immediate cessation of all collection activities, written and verbal. Permanent deletion of the fraudulent account from all consumer reporting agencies. Delivery of the following within XXXX calendar days : Immediately cease all collection activity regarding this alleged account. Immediately delete all references to this fraudulent debt from all consumer reporting ( Equifax, Experian, and TransUnion ). Full validation of the debt per FDCPA standards. A contract or agreement bearing my signature. Documentation of chain of assignments and lawful ownership. Proof of permissible purpose for my consumer report access. Dates and methods of data acquisition. Identity theft investigation report. Note : As per the Federal Trade Commission guidance, a generic invoice or summary does not constitute legal validation under federal law or FTC guidance. ________________________________________ NOTICE OF LEGAL ESCALATION Legal action will be pursued in U.S. District Court for : Violations of FDCPA and FCRA ( 15 U.S.C. 1681n, 1681o, 1692k ), Constitutional violations under 42 U.S.C. 1983, Fraudulent misrepresentation, Defamation, Attempted theft by deception, Unjust enrichment, Intentional infliction of emotional distress. I reserve all rights, remedies, and protections under FEDERAL and STATE LAW. You are now FORMALLY ON NOTICE. Any further unauthorized communication or reporting to my consumer reports will constitute WILLFUL NONCOMPLIANCE and result in maximum legal consequence. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All XXXX Reserved Without Prejudice UCC XXXX Void where XXXX by law

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