Consumer complaint received 2024-05-29 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: IL

Complaint narrative:
Hello! 

I'm going to keep this simple XXXX XXXX XXXX violated the Fair Debt Collection Practices Act ( FDCPA ). Specifically, this failure breaches 15 U.S. Code 1692e ( 8 ), which prohibits the communication of false or misleading information about a debt, including the failure to communicate that a disputed debt is disputed. This what discussed with a manager on Friday around XXXX XXXX Because of this they reported a charge off which severely damaged my credit report. 

This is a {$5000.00} violation XXXX XXXX XXXX XXXX violated the Fair Debt Collection Practices Act ( FDCPA ). Specifically, this failure breaches 15 U.S. Code 1692e ( 8 ), which prohibits the communication of false or misleading information about a debt, including the failure to communicate that a disputed debt is disputed. This was communicated earlier this year. XXXX never validated that i owe the debt and they never send mme legal paperwork stating I owe the debt. They also reported a derogatory which is illegal because They never proved to me that i owe the debt. I don't have a legal contract with XXXX XXXX. 

XXXX. XXXX lowered my credit limit based upon factors on my credit report. I as a consumer requested direct details from why my limit went from {$1500.00} to {$500.00} but they gave me a grey area answer. They sent me an adverse action letter in which according too, Adverse actions against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in the 15 U.S.C. 1691c and is pursuant to civil liability under 15 U.S.C. 1691k. I, as a consumer because my social card is my credit card, am entitled to credit, and them lowering my credit is discrimination.

This is a minimum {$5000.00} violation.

They need to legally report to all XXXX bureaus that these debts are IN DISPUTE EFFECTIVELY IMMEDIATELY, and XXXX, experian and XXXX legally has to remove the derogatory, charged off or any negative mark on my credit report until I have agreed that the debt belongs to me. XXXX XXXX has an arbitration agreement, to which they are forbidden from damaging my credit until we work any issues out amongst both parties. Furnishing
information is against The fcra! XXXX XXXX also violated the arbitration agreement because they charged off the debt to a law firm before resolving any disputes with me as the consumer. 

XXXX XXXX has a arbitration agreement in their lease. I REPEAT, I DONT HAVE A CONTRACT WITH XXXX XXXX XXXX THAT STATES I NEED TO PAY ANYTHING. XXXX XXXX  is the original creditor which was previously owned by XXXX XXXX XXXX. XXXX XXXX  failed to resolve any debt issues with me as stated in the arbitration clause. XXXX XXXX XXXX is a company who i have no business with XXXX has an arbitration agreement, in which before they can make any changes negatively to my credit, this needs to be resolved through arbitration. Them lowering my credit limit from {$1500.00} to {$500.00} is a violation of the arbitration clause, that was agreed by both parties. I had a lady on the phone who stated " that people control where a persons credit limit can go up and down '' which is DISCRIMINATION! I have the time and date this phone call took place too.

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