Consumer complaint received 2024-10-29 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: IN

Complaint narrative:
To whom it may concern : Below is information Ive identified on my credit report that needs to be deleted from your records immediately. I AM ALSO REQUESTING A DISMISSAL WITH MONETARY COMPENSATION in regards to The summons that was not personally served to me has the wrong address listed on the paperwork ( Case Number : XXXX ) filed with XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, State of Indiana XXXX XXXX XXXX XXXX needs to be dismissed asap.

XXXX XXXXNOT REPORTING ON XXXX XXXX Experian* XXXX Account XXXX : XXXX Account Type : Open Account Account Type - Detail : - Bureau Code : Individual Account Status : Open Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$1800.00} No. of Months ( terms ) : XXXX High Credit : {$1800.00} XXXX XXXX : {$0.00} Past Due : {$1800.00} Payment Status : Late 120 Days Last Reported : XX/XX/XXXX Comments : Consumer disputes- reinvestigation in progress Consumer disputes this account information Date Last Active : XX/XX/XXXX Date of Last Payment : XXXX/XXXX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) **NOT REPORTING ON XXXX XXXX Experian Account # : XXXX XXXX Account Type : Collection Collection Account Type - Detail : Collection Collection Bureau Code : Individual Individual Account Status : Derogatory Derogatory Monthly Payment : - - Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$1800.00} {$1800.00} No. of Months ( terms ) : - - High Credit : {$1800.00} {$1800.00} Credit Limit : - - Past Due : - - Payment Status : Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Account information disputed by consumer, meets FCRA requirements ( XXXX )/ Customer disputed account - reported by subscriber. ( EXPERIAN ) Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - XXXXXXXX XXXX XXXXNOT REPORTING ON EXPERIAN XXXX XXXX XXXX Account XXXX : XXXX Account Type : Open Account Account Type - Detail : - Bureau Code : Individual Account Status : Open Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$800.00} No. of Months ( terms ) : XXXX High Credit : {$800.00} XXXX XXXX : {$0.00} Past Due : {$800.00} Payment Status : Late 120 Days Last Reported : XX/XX/XXXX Comments : Consumer disputes- reinvestigation in progress Consumer disputes this account information Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XXXXXXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) *NOT REPORTING ON XXXX XXXX Experian Account # : XXXX XXXX Account Type : Collection Collection Account Type - Detail : Collection Collection Bureau Code : Individual Individual Account Status : Derogatory Derogatory Monthly Payment : - - Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$800.00} {$800.00} No. of Months ( terms ) : - - High Credit : {$800.00} {$800.00} Credit Limit : - - Past Due : - - Payment Status : Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Account information disputed by consumer, meets FCRA requirements Customer disputed account - reported by subscriber. 
Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - THAT IS REPORTING INACCURATE INFORMATION. PLEASE DELETE. 
Furthermore, as you can see from the information above, your agency is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates.

You are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting.

My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

I, therefore, request that you immediately delete the items specified above from my consumer file with your agency. Failure to do so will require that I take appropriate legal action.

All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability.

The FDCPA prohibits a debt collector from utilizing " any false, deceptive, or misleading representation or means '' to collect a debt. 15 U.S.C. 1692e. The FDCPA enumerates a number of categories of false or deceptive practices, including the following : ( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney.

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( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken.

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( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. 
Samples v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

Section 807 ( 15 USC 1692e ) states that no deceptive or misleading practices nothing unfair from a debt collector is to be done. XXXX XXXX XXXX SENDING LETTERS AND EMAILS IN BIG RED LETTERING HEAD STATING " PRE-LEGAL NOTIFICATION '' IS ILLEGAL AND THREATS TO SEND TO A LAWYER IS VIOLATION OF THE FDCPA .I never gave permission to XXXX XXXX XXXX to use or to be in possession of any of my identifying information. 

This is a Violation of THE GRAMM- LEECH- BLILEY ACT . They are harassing me thru email, phone calls, and text. I HAVE NO CONTRACT WITH XXXX XXXX XXXX AND I HAVE NO LEGAL OBLIGATION TO PAY XXXX XXXX XXXX. Cease the reporting of this erroneous and deceptive information on my consumer report. Delete the specified accounts from my consumer report and all your systems. 

I am not requesting validation of any alleged debt as I KNOW NOW that by XXXX XXXX XXXX obtaining my Non Public Personal Information without my lawful authority constitutes Aggravated Identity Theft 18 USC 1028A. FDCPA STATES THAT XXXX XXXX XXXX DOES NOT HAVE THE RIGHT TO CONTACT ME WITHOUT MY CONSENT PRIOR WHICH THEY DO NOT HAVE. XXXX XXXX XXXX SOLD MY NON PUBLIC PERSONAL INFORMATION TO this debt collection company ''. Based on that I now have reason to believe that THEY ALL are conspiring against me trying to collect on a EXTENSION OF CREDIT through UNLAWFUL extortionate means. 



For damages, I am invoking my rights as a consumer pursuant to 15 USC 1681 ( n ) civil liability, and I demand compensation for every violation listed below ; 1.Permissible purpose {$1000.00} 2.Defamation of character {$1000.00} 3.Damaged reputation {$1000.00} 4. Damaged credit worthiness {$1000.00} 5. Damaged mode of living {$1000.00} 6. Infringed on right to privacy {$1000.00} 7. 15 USC 1692K CIVIL LIABILITY {$1000.00}

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