Consumer complaint received 2024-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To Experian, XXXX, and XXXX, Regarding the Delinquent Credit Inquiry Issues Identified by Experian, XXXX, and XXXX : Thank you for affording me the opportunity to address the inaccuracies present in my credit inquiry report. It has come to my attention that delinquencies in my credit have been incorrectly reported by your agencies. In light of this, I am formally requesting the following documentation and proofs in accordance with relevant laws and regulations : 1 ) A copy of the original contract or purchase agreement responsible for the alleged debt. This document must contain the signatures of all involved parties and must originate from the original creditor, inclusive of all original terms, conditions, addendums, and riders.

2 ) Proof of chain of ownership pertaining to the alleged debt, demonstrating a seamless transition from the original creditor to the current purported owner, devoid of any breaks or discrepancies.

3 ) A comprehensive accounting history originating from the original creditor, detailing each payment made, including dates and amounts, along with the Date of First Delinquency leading to the current collection status.

4 ) Documentation validating the lawfulness and agreement to any accrued interest or fees, as stipulated in the original purchase agreement.

5 ) Verification of your legal authorization to pursue the alleged debts in the state of Texas, inclusive of your Third-Party Debt Collection Bond.

6 ) Evidence of compliance with legally mandated notices sent to me prior to the reporting of the alleged debt to consumer reporting agencies. This includes copies of the original notice, ensuring adherence to regulations prohibiting " debt parking '' without proper notification, thereby safeguarding consumer rights.

7 ) In accordance with civil liability statutes, specifically Title 15 of the United States Code subsections 1692k ( a ) ( 2 ) ( A ) and 1692k ( a ) ( 1 ), I emphasize the potential penalties associated with violations, including both statutory and actual damages.

8 ) Furthermore, I draw attention to pertinent federal laws including : - 18 U.S. Code 8 Establishing all debts as obligations of the United States and its corporations.

- 18 U.S. Code 241 Prohibition of conspiracy against rights.

- 18 U.S. Code 242 Criminalization of color of law violations and deprivation of rights.

- 18 U.S. Code 894 Regulation against the collection of extension of credit by extortionate means.

- 18 U.S. Code 1028 Prohibition of fraudulent use of identification documents.

- 18 U.S. Code 1028A Criminalization of aggravated identity theft.

- 18 U.S. Code 894 Prohibition against harming the reputation of consumers through extortionate means. 

I urge prompt and thorough attention to these matters to rectify the inaccuracies present in my credit report. Your compliance with these requests is essential in ensuring the integrity and fairness of my credit profile. 

Sincerely, 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