Consumer complaint received 2024-11-26 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: MI

Complaint narrative:
To Whom It May Concern, XX/XX/year> RE : This letter was also mailed to the credit bureaus 13 days ago, and I still havent heard anything. CFPB, Please assist me in exercising my rights as a protected consumer. 

I am wring to you today with regards to the debt that you are attempting to collect from me. I want to remind you of my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692g and 1692c.

Let me be clear, the collection ( s ) on my consumer report, listed below, is/are a blatant violation of my consumer rights and will not be tolerated. I demand the immediate removal of this/these collection ( s ) without any further delay!

Fair Collections and Out Your company has not provided me with any of the information previously requested 1. The amount of the debt that you claim I owe.

2. The name of the original creditor to whom the debt is owed.

3. A statement that I have the right to dispute the debt within 30 days of receipt of your letter.

4. A statement that if I dispute the debt in writing within 30 days, you will provide verification of the debt.

5. A statement that if I request it in writing within 30 days, you will provide the name and address of the original creditor ( if different from the current creditor ).

6. A statement that you will cease all communication with me if I request it in writing.

7. A contract or agreement with signatures of all parties involved in the debt transfer I would like to remind you that the consumer law ( s ) cited below and above are not suggestions, but are in fact, legally binding regulations that you are required to follow.

15 USC 1681a 2 -Exclusions ( a ) ( i ) is a subsection of the Fair Credit Reporting Act that clearly states Any report containing information solely as to transactions and experiences between the consumer and the person making the report.

15 USC 6802 is a section of the United States Code that outlines the obligations of financial institutions with respect to the disclosure of personal information. 15 USC 6802 outlines the " Opt Out '' requirements for financial institutions when disclosing nonpublic personal information to nonaffiliated third pares. Financial institutions are required to clearly and conspicuously disclose to the consumer, in wring or in electronic form, that their personal information may be disclosed to third pares. The consumer must be given the opportunity to direct that their information not be disclosed and must be provided with an explanation of how they can exercise that option.

15 usc 1681b ( a ) ( 2 ) is a section of the United States Code that outlines the permissible purposes for which a consumer reporting agency may furnish a consumer report. In general, a consumer reporting agency may furnish a consumer report only under the following circumstances and no other : 1 ) The consumer must give written authorization, and I did not and will not give any creditor the right to add negative, inaccurate and injurious information to my consumer report. 
It is clear that the collection ( s ) on my consumer report is/are in direct violation of the laws cited above. As such, I am entitled to receive damages for this willful noncompliance. Let me be unequivocally clear, according to 15 US Code1681n, I can charge {$1000.00} for damages if you fail to remove this item immediately, as it is causing me significant harm and distress.

I demand that you take immediate action and rectify this issue promptly. Any delay or inaction on your part will be considered a deliberate attempt to violate my consumer rights and will not be tolerated.

Furthermore, I am invoking my right to demand that you cease all communication with me, except for providing the information requested in this leer. Please do not contact me by phone, mail, or any other means except to provide the information requested in this leer. Any further communication attempts will be considered a violation of the FDCPA. 
I do not expect to receive a verification of the item in question as it is abundantly clear that it is in violation of the law. I demand that you send me an updated copy of my consumer report once the disputed item has been removed. 
I trust that you will take this matter seriously and resolve it immediately. 

Sincerely, XXXX XXXX XXXX

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