Consumer complaint received 2024-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX, XXXX ( XXXX ) claims to have investigated the complaints and verified the XXXX accounts ending in XXXX and XXXX, the accuracy of the information they furnished regarding the accounts. But have failed to provide my any documentation proving so. No original contract no purchase agreement not a single document providing the have the legal right to collect this debt. My contact Information regarding this debt was obtained illegally as a form of aggravated I identity theft. XXXX confessed Business records provided to XXXX by XXXX XXXX at the time of our purchase verify that the account was opened on XX/XX/XXXX, for XXXX XXXX whose social security number ends in XXXX. I never gave XXXX XXXX permission to give any information to this company. I never gave XXXX permission to request my information in any compacity per 18 U.S. Code 1028A - Aggravated identity theft. ( a ) Offenses. ( 1 ) In general. Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. ( 2 ) Terrorism offense. Whoever, during and in relation to any felony violation enumerated in section 2332b ( g ) ( 5 ) ( B ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person or a false identification document shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 5 years. I never gave this company person to contact me or furnish data on my behalf. I have never even been contacted to dispute the collection of this debt XXXX claims to have sent its initial notification letter to our customer on or about XX/XX/XXXX, XXXX but I received no record of this no tracking number no documentation at all presented. I have never received any thing due this company XX/XX/XXXX. Please provide documentation proving this initial communication has been sent and received XX/XX/XXXX XXXX. XXXX confessed to another crime .. we purchased the accounts and obligations XXXX XXXX XXXX XXXX had with XXXX XXXX to pay the balance due, no other contract between XXXX XXXX XXXX XXXX and XXXX is required to validate the accounts. That is a violation of contract Law!! If there is an alleged contract between both parties A ( XXXX XXXXXXXX ) and B ( XXXX XXXXXXXX ) .. XXXX XXXX has not lawful right to sell that contract with out first obtaining written consent and per mission to do so which I have never provided. XXXX must provide A bilateral contract. Which is is an agreement that binds two or more parties legally on pre-decided terms and conditions.. signed and dated with all three parties to PROVE they have legal right to collect this debt. 31 U.S. Code 3718 - Contracts for collection services. this company has been illegally conspiring with XXXX XXXXXXXX in an attempt to force Me to pay them a debt I do not owe. This account was formed illegally! I demand it be XXXX out and removed immediately!

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