Consumer complaint received 2024-10-28 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: GA

Complaint narrative:
XXXX XXXX XXXX dispute This complaint is in regard to the account related to XXXX XXXX XXXX that is being reported to XXXX XXXX XXXX XXXX XXXX report. 
XXXX XXXX XXXX needs prior consent from either the court or the consumer before communication with the collection of any debt to a credit reporting agency. 
Notice, it is a fact, I the consumer did not give prior consent to communication to the debt collector, { XXXX XXXX XXXX } and the affiant alleges there was no prior consent from a court giving permission to contact I, the consumer in collection of any debts owed to XXXX XXXX XXXX and thus this communication by XXXX XXXX XXXX is a violation of XXXX XXXX XXXX ( a ) without a court order brought forth. I did not consent to XXXX XXXX XXXX communicating with me any obligations to pay a debt through any mediums which includes communication with the credit reporting agencies to report the alleged debt. Furthermore XXXX U.S.Code XXXX ( XXXX ) XXXX ( XXXX ) - a debt collector is defined as anyone in the business of collecting a debt. Therefore by definition XXXX XXXX XXXX is debt collector. 

Notice, it is a fact, that, I, agent for principal ( XXXX XXXX XXXX XXXX ) am aware that XXXX XXXX XXXX is a debt collector by the legal definition. Pursuant to XXXX U.S.Code XXXX ( a ) ( XXXX ), a debt collector is any person who uses instrumentality of interstate commerce, such as the mails, in any business which the principal purpose is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another 15 Furthermore this law U.S.Code 1692d states A Debt collector may not engage in any conduct ( no restriction ) which will harass, oppress or abuse any person in connection with the collection of a debt. Oppressing a right would be conduct not allowed from 1692d. Credit is the right granted and protected by federal law. If any debt collection caused a denial of credit this allows for damages. I have been denied credit on multiple occasions and denied housing because of this negative account on XXXX XXXX XXXX XXXX XXXX report. This is an actual damage as this tremendously harmed my ability to operate in commerce and purchase household goods and shelter for I the consumer and my family. 

Notice, it is a fact, I the affiant is aware, credit is a right granted to me as a creditor under the Truth in Lending Act and { XXXX XXXX XXXX } does not have the right to oppress or abuse any part of my character which would restrict or prohibit my right to extend credit. { XXXX XXXX XXXX } has oppressed my right to extend credit which is a violation of XXXX XXXX XXXX. 

Furthermore this law XXXX XXXX XXXX ( XXXX ) states the actions performed by XXXX XXXX XXXX was illegal- Communicating with any person false credit information including failure to communicate the debt is being disputed has not been verified. As well as there being no contract that exists bewteen the I the consumer and XXXX XXXX XXXX thats says I the consumer would pay XXXX XXXX XXXX the alleged debt this was false and misleading reporting. 

Notice, it is a fact, affiant is aware and has proof in this complaint of false and inaccurate credit information reported and it is a violation of XXXX U.S.Code XXXX ( XXXX ). XXXX XXXX XXXX reported a debt collections account to XXXX XXXX XXXX XXXX XXXX report. I the affiant have disputed this debt this information can not keep reporting while the dispute is still not resolved as well as failing to communicate with the credit reporting agencies that the debt is being disputed and has not been verified by I, the consumer. This was very misleading and XXXX XXXX XXXX used this as a tactic to swindle the credit reporting agencies into reporting a a fake debt while at the same time attempting to force me to pay the alleged debt under the threat of duress and coercion by reporting the negative collections account to my consumer report in doing so severely damaging my credit worthiness and my ability to operate in commerce and obtain household goods and shelter. I have been denied housing on multiple occasions leading to me being in a homeless shelter this is an actual damage to I, the consumer. I demand once again that XXXX XXXX XXXX fix this issue by deleting the account. XXXX XXXX XXXX is also in violation of 15 U.S. code 1681a ( 2 ) ( A ) ( I ) 1681 a ( 2 ) ( A ) ( i ) - Reported information can not be only transactions and experiences between the consumer and a company. 1681 a ( 2 ) ( A ) ( iii ) - The consumer must be given a chance to direct the information whether they want the information about a transaction they had to be reported or not. This is referenced in the XXXX XXXX XXXX XXXX Notice, it is a fact, affiant is aware, a consumer must be given a chance to direct whether they want the information about a transaction to be reported or not. This is referenced in the XXXX XXXX XXXX. XXXX was not given the chance to opt-out of having this information reported regarding XXXX XXXX XXXX in doing so is in violation of 15 U.S. Code 1681 a ( 2 ) ( A ) ( ii ) and this information must be removed. 

Furthermore in accordance with 15 U.S.Code 1692e ( 12 ) 1692e ( 12 ) - the assignee clause which makes the 3rd party debt collector and the one who assigns the debt liable. 
XXXXXXXX XXXX assigned the debt to XXXX XXXX XXXX This means they both are liable for the alleged debt not I the consumer Notice, it is a fact, affiant has reason to be believe and do so believes, XXXX XXXX XXXX in accordance to Article XXXX, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S.Code 1692e ( 12 ). So I am actually not liable for this fake debt according to what the law says about the matter. 

XXXX XXXX XXXX also violated 15 U.S.Code 1692j 15 USC 1692 ; 1692 - False and deceptive forms. A form which is made to believe the debt has something to do with you or you are obligated and you are not, is false and deceptive. 
Fraud found in a form is a false and deceptive form and a violation of this act. For example if you go and get into an agreement as a consumer credit transaction, you went for something and gave credit. Companies are known to make what's called asset accounts. I never went to have an account made, this is a false and deceptive form because they never disclose this account being made. This includes statements which falsely accuses me of owing a debt. The delivery of these forms via mail constitutes mail fraud. I also never created an account with XXXX XXXX XXXX if I the consumer did not open the account then it is fraud. 

Notice, it is a fact, affiant is aware, there has been fraud found in this form shown in EXHIBIT ( - ). This form is therefore false and deceptive, void and a violation of 15 U.S.Code 1692j I do not have a contract with XXXX XXXX XXXX. If I had a contract with XXXX XXXX in which XXXXXXXX XXXX already received value for the leasing of the property. I gave XXXX XXXX a security interest that was the valuable consideration that was given. There is no debt owed to XXXX XXXX. XXXXXXXX XXXX is not reporting a collections account XXXX XXXX XXXX is, nor does a contract exist with I the consumers signature and XXXX XXXX XXXX signature stating that I the consumer would pay XXXX XXXX XXXX. 

Furthermore 15 U.S.Code 1692k ( a ) ( 1 ) 15 USC 16324010 ) 1692k ( a ) ( 1 ) - Allows for any action of damage.

Notice, it is a fact, affiant is aware pursuant to 15 U.S.Code 1692k ( a ) ( 1 ) allows civil liability rewards for any damages, which may include stress, harassment, anxiety, mental anguish, and other damages all caused by violations of FDCPA due to XXXXXXXX XXXX XXXXs abusive and deceptive business practices. Which caused I the consumer to be denied for housing and certain lines of credit. Which caused I the consumer to be in a homeless shelter and and unable to operate in commerce this is very un equitable. 

Furthermore I am owed monetary value in the amount of XXXX $ for every single violation of the UNITED STATES CODES. 15 U.S.Code 1692k ( a ) ( XXXX ) ( A ) XXXX ( a ) ( XXXX ) ( A ) - XXXX dollars for each proceeding. 
Notice, it is a fact, XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) states an individual action is a violation worth XXXX dollars for proceeding, however understand 15 U.S.Code 1692k ( a ) ( 1 ) these violations has caused actual dama By XXXX XXXX XXXX violating 15 U.S. Code 1681 a ( 2 ) ( A ) ( ii ) and not giving me a chance to direct whether I want the information about a transaction to be reported or not. This is referenced in the XXXX XXXX XXXX. XXXX was not given the chance to opt-out of having this information reported regarding XXXX XXXX XXXX in doing so XXXX XXXX XXXX is in violation of 15 U.S. Code 1681 a ( 2 ) ( A ) ( XXXX ) I was damaged by this violation of the XXXX XXXX XXXX XXXX took it upon themselves to infringe on my right to direct the information I want reported regarding the transaction. Then hindering my ability to credit by reporting without my directions a collections account that negatively impacted my consumer report. 
Every violation of the law by XXXX XXXX XXXX caused a damage to I, the consumer. 

XXXX XXXX XXXX also committed identity theft. They obtained my identifying information such as my social security number to swindle the credit reporting agencies into reporting the fraudulent account. This use of my social security number was not authorized by I the consumer. 15 U.S.Code 1644 ( a ) 15 USC 1644 ( a ) 1644 ( a ) - Fraudulent authorized use of a credit card such as a license plate, social security card, XXXX card etc, can result up to a XXXX fine. 

Notice, it is a fact, affiant is aware, the fraudulent use of a credit card, by XXXX XXXX XXXX is defined as whoever uses, attempts or conspires to use a card to obtain money, goods or services shall be fined for {$10000.00} or imprisoned for 10 years or both. 

XXXX XXXX XXXX used my social security account number the exact number on social security card to report information to my consumer report and to collect on a debt. 
This is a direct violation of 1644 ( a ) Also note that this matter could become even more serious if this issues isnt resolved because according to 1692k ( a ) ( XXXX ) ( B ) -If i win a civil suit and file a class action, i can obtain up to XXXX $ or 1 % of the company. 

Notice, it is a fact, affiant is aware, If judgement is made against { XXXX XXXX XXXX } I, the affiant, can and will pursue class action for the amount of XXXX $ to 1 % of your company in accordance with XXXX XXXX XXXX ( a ) ( XXXX ) ( B ) meaning I could own a percentage of XXXX XXXX XXXX or receive XXXX $ for XXXX XXXX XXXX inconveniences to I the consumer. 

15 U.S.Code 1602 ( b ) 15 USC 1602 ( b ) 1602 ( b ) Bureau.

The term Bureau means the Bureau of Consumer Financial Protection. Consumer Report Agencies are not credit bureaus. The CFPB regulates the credit reporting agencies. 
I urge the CFPB to work swiftly and diligently with me on this matter to make sure XXXX XXXX XXXX and the credit reporting agencies EXPERIAN and XXXX resolves this issue in a fair and equitable way for I, the consumer. As well as make sure they follow the laws that were set in place to govern them. Thankyou.

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