Consumer complaint received 2024-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Cease and Desist Demand ATTN : Credit Bureaus, This letter serves as a formal demand that you immediately cease and desist from using my copyrighted material without authorization, '' " harassing me, '' " defaming my character, '' this erroneous late payment record has significantly affected my credit score, making it difficult for me to secure favorable terms on loans and credit. it has also caused undue stress and incovenience ]. This behavior constitutes a violation of 15 u.s code 1692 which mention 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 ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

**Background**.

Due to the harrasment /and the affect of the defaming my character of the events leading up to this letter. XXXX, XX/XX/XXXX, and XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, has imapcted my life in a tremendous way. ] **Legal Grounds** Your actions violate 15 us 1692 mention The sending or delivery of any form or notice which does not relate to the collection of a debt and is expressly required by title 26, title V of Gramm-Leach-Bliley Act [ 15 U.S.C. 6801 et seq. ], or any provision of Federal or State law relating to notice of data security breach or privacy, or any regulation prescribed under any such provision of law, shall not be treated as an initial communication in connection with debt collection for purposes of this section., regulation, or agreement that has been breached ].

**Demand** I demand that you : 1. Immediately cease and desist from the harrasing phone calls and harrassing letters ].

2. Provide written assurance within [ 15 ] days that you will cease this behavior.

**Consequences** If you do not comply with this cease and desist demand within the time frame specified, I will have no choice but to pursue all available legal remedies, including but not limited to seeking monetary damages, injunctive relief, and legal costs.

**No Waiver** Nothing in this letter shall be deemed a waiver of any rights or remedies, all of which are expressly reserved.

**Conclusion** Please govern yourself accordingly. I expect your immediate compliance and will await your written confirmation that you have ceased the aforementioned behavior. 

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