Consumer complaint received 2024-09-19 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:
Since all of my attempts have been ignored to have the listed fraud and nonpublic accounts removed, I am reaching out to you CFPB to enforce the CRA to comply and delete the nonpublic and fraud accounts. Until the proof of claim can be validated all alleged accounts need to be deleted immediately. These accounts have caused a significant negative affect on my credit. I have requested to have the nonpublic information removed. I have also requested proof of the alleged debt to prove my fraud claim but have yet to receive any documented proof or was advise to contact the reporting alleged creditor. The CRAs are hedl responsible for the information they report which is why I am coming to them directly. All I received is the debt is valid. Therefore, I am escalating the process to the CFPB and the FTC. 

I am requesting the following proof from the credit reporting agency : 1. Provide the original, unaltered certified copy of the ( front and back ) of the application. 
2. Provide all assignments, agreements and authorizations to collect on the alleged debt.

3. An accurate, honorable account receivables and account payables ledger for all Alleged Accounts associated with alleged creditor per Generally Accepted Accounting Principles ( GAAP ) from the date of inception to current.

4. Documentation on who funded the loan and where funds were deposited from.

5. Provide a full description of the consideration the alleged creditor provided to fund the alleged loan.

6. Provide evidence showing the credits came from the banks funds.

7. Provide what considerations and authorization was given to the grantor for the use of their securities/certificates currently being traded.

8. Provide evidence the alleged lender possess the assets represented by these credits prior to the alleged exchange and were they acquired lawfully.

9. Provid a signed and notorized copy of the Penalty of Perjury Affidavit.

Until the above documentation and proof of claim is provided, all mentioned account will need to be deleted immediately. If the above requested proof of claim can not be provided with sufficient lawful answers to these questions pertaining to the alleged debt, GAAP, bank credits, and proof of consideration made by the grantee? Provide reasoning that is faithful to all mens rights of equality and equal protection under the law without any special privileges.

The accounts to delete until validated are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please note that this is a notice sent per the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ). The notice states that your claim is disputed and validation of the alleged accounts is required. This notice is not a request for verification of the account, proof of payments or proof of my mailing address, but a request for validation made pursuant to the FDCPA laws. I humbly request that you send me valid proof that I am legally obligated to pay the alleged debt, you are obligated to report and collect on this alleged debt, even though your right to share any of my private information has been revoked and is fraud because I never gave you authorization to access any of my nonpublic information. I am ordering you to cease and desist and delete all reporting efforts until you can validate the account as follows : I would like to inform you that you are reporting invalidated account information which is now regarded as a fraudulent action under both the federal and state laws. Due to this reason, if any negative item is not deleted from my credit report, then I will be compelled to take legal steps against you for the below mentioned reasons : * Violation of the FCRA * Violation of the FDCPA * Identity Theft * Fraud * Defamation of character If you can provide me with the requested documents, I will need a minimum of 30 days to investigate this information, and during this period, all reporting activities must be stopped and the account deleted from my credit profile.

I would like to further inform you that if any action is taken ( during the validation period ) which could be regarded as detrimental to my credit report, then I will seek advice from my attorney for lawsuit. This includes listing any additional information on a credit report that could be incorrect or invalidated, or confirming an account as correct when in fact there is no validated proof that it is.

If you fail to respond to this debt validation request within a period of 14 days from the date of your receipt, then the account information must be completely deleted from my credit report, and a copy of such deletion request should be sent to me at once.

I would also like to request, in writing, that no calls should be made by your agency or company at my residence, work place or to anyone I know or may have listed as a reference. If your agency attempts to make unlimited or computer generated calls to me or any third parties, then it will be considered harassment, and I will have no option but to file lawsuit. All future communications with me regarding this matter should be done in writing. All requested documents will need to be sent in one complete package to my address listed at the top of this letter within 14 days or this matter will be considered closed for good and can not be reopened. If they say the information is valid, they proof of claim should not take 14 days and should be easily accessable.

This is an attempt to correct your records, any information obtained shall be used for that purpose.

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