Consumer complaint received 2024-01-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Be advised that I hereby dispute the validity of the alleged debt listed above entirely. TIME PAYMENT illegally collected the above-listed alleged debt and took payment on a debt that I do not owe, EXTORTION and theft by deception. Defamation of character and Slander of my name. Fraud and XXXX XXXX. No consideration, False advertising such as advertising " loans '' based on the customer 's own credit. I have an absolute right to rescind a signature from any contract or agreement that was not fully disclosed to me. Such a contract or agreement is null and void, as if it never existed at all, and all to return to the lawful owner plus reasonable money and interest. I am not obligated by any contract or agreement obtained under the conditions of fraud, deceit, or non-disclosure. Reporting Late payment and Utilization is illegal! TIME PAYMENT have 10 calendar days to update my late fees and reporting balance or balance utilization to 5 % or below and or delete all reporting balance Utilization and late fees from the below account/s or I demand account DELETED Wherefore there can be no payment of debt. Only discharge of debt, acceptance and return for discharge. 1692K Civil liability. Civil liability for willful noncompliance. 15 U.S.C. 1681o - U.S. Code - Unannotated Title 15. Commerce and Trade 1681o. Civil liability for negligent noncompliance. 15 U.S. Code 1640 - Civil liability with respect to any failure to make disclosures. 15 U.S.C. 1611 - Criminal liability for willful and knowing violation. I agree to pay any financial obligation which I might lawfully owe, on the condition that you provide : XXXX. Validation of the debt- that is, the actual accounting per XXXX  XXXX 
XXXX. Verification of your claim against me. A signed invoice or sworn affidavit. 
XXXX. A copy of the contract binding both parties Amsher TIME PAYMENT XXXX XXXX. 

XXXX. I need full XXXX. I was not told that I was actually creating the credit. 
XXXX. Equal Consideration brought nothing of value to the table and had nothing to lose. TIME PAYMENT XXXX. Law terms and conditions were based on fraud! 
XXXX. The wet ink signature of both parties. 

TIME PAYMENT actual damages, Defamation of character, consumer rights violations, multiple violations of Federal Debt Collection Practices Act ( FDC PA ), Fair Credit Reporting Act ( FCRA ), fraud, aggravated identity theft, Identity theft, extortion, theft by deception, Securities and Exchange Commission ( SEC ), Generally Accepted Accounting Principles ( GAAP ) fraud, Conspiracy and Racketeering of {>= $1,000,000}. 


Within XXXX calendar days after receipt of a notice, shall return any m TIME PAYMENT money that has been given to anyone in connection with this transaction and shall take any action necessary to reflect the termination of the security interest. XXXX XXXX will further pursue all of my legal remedies without further notice. This letter serves as evidence that XXXX XXXX has attempted to resolve this matter formally before filing a court case. I will demand discovery and trial by jury. Failure to properly respond will be followed up with our FTC, XXXX and Attorney General complaint, fee schedule and lawsuit. Fraud vitiates the most solemn contracts, documents and even judgments [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ]. It would be unjust to allow XXXX who made false representations to retain the fruits of a bargain induced by such representations. XXXX XXXX XXXX, XXXX 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