Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
This is a new and escalated complaint against XXXX XXXX XXXX XXXX based on new evidence obtained after multiple prior CFPB complaints were closed without resolution. I incorporate all prior CFPB complaints by reference and submit this filing due to documented fraud, continued unlawful credit reporting, and misrepresentation to a federal agency. 
XXXX. False and Fraudulent Bond Representations ( Now Proven ) Tek Collect has now twice provided false or misleading XXXX XXXX XXXX to the CFPB in an attempt to justify its authority to collect and report in New Jersey. 
In response to my prior complaints, Tek Collect claimed it was bonded under XXXX XXXX. XXXX with XXXX XXXX XXXX. I directly contacted XXXX XXXX XXXX ( XXXX XXXX ) and received a written response from an authorized representative confirming : No bond exists for XXXX XXXX XXXX XXXX. 
No bond with number XXXX exists XXXX XXXX has never issued a New Jersey XXXX XXXX XXXX to Tek Collect This written denial is attached and constitutes independent third-party proof that Tek Collect furnished false regulatory information to the CFPB, which is a violation of : 15 U.S.C. 1692e ( false or misleading representations ) 12 C.F.R. 1006.18 ( misleading statements by debt collectors ) 12 U.S.C. 55315536 ( UDAAP ) FCRA 623 ( a ) ( 1 ) ( A ) ( furnishing information known to be false ) This is not a clerical error. Tek Collect has now changed its story multiple times, proving knowing misrepresentation.

2. Operating Without a Required New Jersey Bond Under N.J.S.A. 45:18-1 et seq., collection agencies must maintain a valid surety bond as a condition of licensure. Because no valid bond exists, Tek Collect lacks legal authority to collect or furnish data in New Jersey. 
Any collection activity or credit reporting performed without lawful bonding is per XXXX unlawful. 
XXXX. Violation of Cease and Desist On XX/XX/year>, I served XXXX Collect with a written Cease and Desist via certified mail. Despite this, XXXX Collect : Continued collection communications Continued furnishing information to credit bureaus This violates : FDCPA 805 ( c ) Regulation F, 12 C.F.R. 1006.6 4. Failure to Provide Debt Validation Despite repeated written requests, Tek Collect has never produced : An original signed contract Proof of ownership or assignment Itemized account history A valid, verifiable New Jersey collection agency bond Proof of permissible purpose under the FCRA Tek Collect has admitted in CFPB responses that it would request validation, which confirms validation did not exist at the time of collection or reporting, in violation of : FDCPA 809 ( b ) FCRA 623 ( a ) ( 6 ) 5. Ongoing Credit Reporting Without Legal Basis Tek Collect continues to furnish information to consumer reporting agencies despite : Identity theft dispute Cease and desist Lack of validation Proven absence of lawful bonding This violates : FCRA 623 ( a ) ( 1 ), 623 ( a ) ( 2 ), 623 ( b ) FCRA 611 ( a ) ( 5 ) ( A ) ( obligation to delete unverifiable 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