Consumer complaint received 2025-08-03 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: FL

Complaint narrative:
I, XXXX XXXX XXXX XXXX, am submitting this formal complaint concerning a fraudulent and unverified debt account reported by XXXX XXXX XXXX XXXX to my persons XXXX XXXX EXPERIAN, XXXX XXXX XXXX consumer report. It is acting in violation of multiple provisions under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), which have resulted in actual damages, including credit denials, loss of housing opportunities, and emotional distress to I the consumer and living man XXXX XXXX Violations and Claims XXXX. No Prior Consent or Court Authorization for Communication XXXX XXXX XXXX did not obtain my consent to report this debt to the credit reporting agencies. There is no court order authorizing their communication with me or with any CRA concerning this debt. This is a violation of 15 U.S. Code 1692c ( a ) which prohibits debt collectors from communicating without prior consumer consent or judicial authorization.

2. Failure to Notify CRAs of Disputed Debt Spring Oaks Capital has failed to notify the credit reporting agencies that the debt in question is disputed, which is required under 15 U.S. Code 1692e ( 8 ). The continued reporting of a disputed, unverified debt is false and misleading and harms my consumer credit profile unlawfully. 

XXXX. No Valid Contract with XXXX XXXX XXXX There is no contract or signed agreement between myself and XXXX XXXX XXXX. I did not apply for credit, nor authorize any service or financial obligation with them. Any form or communication asserting otherwise constitutes a false and deceptive practice, as defined under 15 U.S. Code 1692j.

4. Violation of 15 U.S. Code 1692d Harassment and Oppression By continuing to report this collection item and thus causing repeated credit denials, XXXX XXXX XXXX is oppressing my federally protected right to access credit and participate in commerce. This constitutes harassment and abuse, as outlined in 15 U.S. Code 1692d. 

XXXX. Actual Damages Suffered As a result of XXXX XXXX XXXX reporting : I have been denied credit and housing on multiple occasions I have experienced emotional distress, anxiety, and harassment and defamation of my character. 

These events amount to real harm and establish grounds for civil liability under 15 U.S. Code 1692k ( a ) ( 1 ), which allows recovery for actual damages resulting from FDCPA violations.

6. No Notice or Opt-Out Opportunity Under the Gramm-Leach-Bliley Act In accordance with 15 U.S. Code 1681a ( 2 ) ( A ) ( iii ) and the Gramm-Leach-Bliley Act, consumers must be given a clear opportunity to opt out of the reporting of personal financial information. I was never provided such an option. This is a direct violation of federal consumer privacy protections. 

XXXX. Unlawful Assignment and Joint Liability The alleged debt was assigned by XXXX XXXX XXXX to XXXX XXXX XXXX XXXX. Under 15 U.S. Code 1692e ( 12 ), both the assignor and the assignee are jointly liable for any misrepresentations or violations stemming from this collection activity. No valid legal assignment of a defaulted obligation occurred under Article 9 of the UCC, rendering this action illegal and unenforceable. 

Furthermore XXXX XXXX XXXX XXXX obtained my private, personal, and financial information without my knowledge, authorization, or legal consent which means XXXX XXXX XXXX XXXX committed Identity Theft as well. Furthermore the alleged account with XXXX XXXX XXXX was identity theft as well and this account was removed from my consumer report months ago. However XXXX XXXX XXXX then sold the fraudulent debt to XXXX XXXX XXXX XXXX. Selling my personal information that was used to open a fraudulent account is Identity theft and XXXX 

Legal Grounds : Under the FCRA ( 15 U.S. Code 1681c2 ) and 12 CFR 1022.3, consumers have the right to block information resulting from identity theft : A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than XXXX business days after the receipt by such agency of : ( XXXX ) Appropriate proof of the identity of the consumer ; ( XXXX ) A copy of an identity theft report ; ( XXXX ) The identification of such information by the consumer ; ( XXXX ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 

I have already provided all XXXX items to XXXX XXXX XXXX, including my FTC Identity Theft Report, a copy of my ID, a list of the fraudulent items, and a signed written statement. XXXX XXXX XXXX XXXX has no legal basis to continue reporting this inaccurate and harmful information.

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