Consumer complaint received 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
So I have been paying for Experian for about four or five months now at {$40.00} a month of requested that back because of the experience online report now my phone wont allow me to get into a risky or unsecured website. OK thats potential for hackers and other people, waiting for personal information. I have took the screenshots of the entire certification or certificate and it is outdated by almost 1100 days. Ive tried to report this to experience on recorded lines and they refuse to even acknowledge that at all Ive called every number I could to talk to an agent to just report it now, Ive just gave up at this point trying to get a hold of anybody thats such as an. Ive already had a fraud happen because of XXXX XXXX and XXXX XXXX  and XXXX XXXX to the violent, pyramid scheme That was clearly unknowledgeable to me. And Ive tried to settle that as well didnt go very well. On top of that, Im done trying to contact anybody and when I do contact anybody I have all the right documents to prove my credit score my credit report correctly and it gets nowhere. Im requesting a full refund, and compensation for the loss of any opportunitie ( s ) ive been denied for. This auto loan has financial wrecked me I can not rent an apartment.. since this report of XXXX Ive been living in my truck. Family, and yes on the street while still holding down a job. The emotional stress Ive endured since the XXXX scheme, has broken my family apart. As well as homelessness due to the financial corruption that has taken place.. 
Dear ( Experian, XXXX XXXX, XXXX, XXXX XXXX ) XXXX XXXX, Experian, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Experian, XXXX XXXX XXXX, XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX XXXX XXXX, XXXX XXXX. XXXX, TX XXXX. ) I hope this letter finds you well. I am writing to address several important financial matters that require your attention and clarification. As per my understanding of Publication 4681 from the Department of the Treasury and relevant federal regulations, I deem it necessary to seek resolution and guidance on various issues that have arisen.

First and foremost, I wish to highlight concerns regarding auto loan approvals that I believe have not been handled appropriately. Despite my application for an auto loan, I have not received approval and am seeking clarification on the process that led to this outcome. 

Furthermore, I am interested in understanding the procedures and protocols outlined in Publication 4681 for currency return. It is essential to grasp the intricacies of money as a concept and its relation to real currency and reserves to navigate this aspect effectively.

In addition, I emphasize the importance of honoring all fiduciary duties to ensure the protection of my rights and interests. It is crucial that there be no room for creditors to deny or impede my entitled benefits within the legal framework provided.

Moreover, I am seeking clarification on the treatment of abandoned property on the 1099 and 1099C forms, particularly in the context of insolvency and discharge. Understanding the implications of these forms and their impact on my financial standing is paramount to address any potential issues proactively.

I firmly believe that the information presented in Publication 4681 and other pertinent federal regulations supports my position in these matters. Therefore, I kindly request your prompt attention and guidance to assist me in navigating these complex financial challenges effectively.

Your expertise and assistance in providing clarity on these issues would be greatly appreciated. I kindly ask for your acknowledgment of this letter and detailed information on the subsequent steps to resolve these concerns in a timely and equitable manner.

Thank you for your attention to this matter, and I look forward to a mutually beneficial resolution that upholds the principles of fairness and compliance with all applicable regulations. : -- - Subject : Formal Request for Debt Validation, Discharge Confirmation, Tax Documentation, Compliance with Abandoned Property Laws, Recourse Debt Verification, and Insolvency Status. 

I am writing to formally and unequivocally request validation of the alleged debt that your agency claims I owe. The communication I received from your agency referenced a debt identified by [ XXXX ] with an amount stated as [ {$1900.00} ]. 

As part of this request and pursuant to my rights under the law, I demand that you provide the following specific information to validate the debt : Subject : Formal Request for Debt Validation, Discharge Confirmation, Tax Documentation, Compliance with Abandoned Property Laws, and Recourse Debt Verification Dear Sir/Madam, I am writing to formally and unequivocally request validation of the alleged debt that your agency claims I owe. The communication I received from your agency referenced a debt identified by [ XXXX ] with an amount stated as [ {$1900.00} ]. 

As part of this request and pursuant to my rights under the law, I demand that you provide the following specific information to validate the debt : 1. Verification of the original creditor of the debt, including detailed documentation that establishes the legitimacy and accuracy of the debt 's origin, as well as any transfers of ownership.

2. Proof of your agency 's licensing and authorization to collect debts in the state of [ OREGON ], ( WASHINGTON ) supported by valid and up-to-date official documentation in compliance with all state and federal regulations. 
3. Comprehensive documentation outlining the full particulars of the debt, including the original amount owed, itemized breakdown of any interest, fees, or charges accrued, and a clear delineation of the debt 's timeline as required by the Fair Debt Collection Practices Act ( FDCPA ).

4. Verification that the statute of limitations for collecting this debt has not expired, and clarification on whether this debt is classified as recourse debt, which may impact my liability and your ability to pursue collection beyond the collateralized assets. 

Please provide the requested information within XXXX WASHINGTON 30 days from the date of this letter. Failure to provide the necessary validation may result in legal actions to protect my rights under the law.

1. Verification of the original creditor of the debt, including detailed documentation that establishes the legitimacy and accuracy of the debt 's origin, as well as any transfers of ownership.

2. Proof of your agency 's licensing and authorization to collect debts in the state of [ OREGON ], supported by valid and up-to-date official documentation in compliance with all state and federal regulations. 

XXXX XXXX, Experian, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Experian, XXXX XXXX XXXX, XXXX XXXX, CA XXXX, So I have been paying for Experian for about four or five months now at {$40.00} a month of requested that back because of the experience online report now my phone wont allow me to get into a risky or unsecured website. OK thats potential for hackers and other people, waiting for personal information. I have took the screenshots of the entire certification or certificate and it is outdated by almost 1100 days. Ive tried to report this to experience on recorded lines and they refuse to even acknowledge that at all Ive called every number I could to talk to an agent to just report it now, Ive just gave up at this point trying to get a hold of anybody thats such as an. Ive already had a fraud happen because of XXXX XXXX and XXXX management and XXXX XXXX to the violent, pyramid scheme That was clearly unknowledgeable to me. And Ive tried to settle that as well didnt go very well. On top of that, Im done trying to contact anybody and when I do contact anybody I have all the right documents to prove my credit score my credit report correctly and it gets nowhere. Im requesting a full refund, and compensation for the loss of any opportunitie ( s ) ive been denied for. This auto loan has financial wrecked me I can not rent an apartment.. since this report of XXXX Ive been living in my truck. Family, and yes on the street while still holding down a job. The emotional stress Ive endured since the XXXX scheme, has broken my family apart. As well as homelessness due to the financial corruption that has taken place.. 
Dear ( Experian, XXXX XXXX, XXXX ) I hope this letter finds you well. I am writing to address several important financial matters that require your attention and clarification. As per my understanding of Publication 4681 from the Department of the Treasury and relevant federal regulations, I deem it necessary to seek resolution and guidance on various issues that have arisen. 

First and foremost, I wish to highlight concerns regarding auto loan approvals that I believe have not been handled appropriately. Despite my application for an auto loan, I have not received approval and am seeking clarification on the process that led to this outcome. 

Furthermore, I am interested in understanding the procedures and protocols outlined in Publication 4681 for currency return. It is essential to grasp the intricacies of money as a concept and its relation to real currency and reserves to navigate this aspect effectively.

In addition, I emphasize the importance of honoring all fiduciary duties to ensure the protection of my rights and interests. It is crucial that there be no room for creditors to deny or impede my entitled benefits within the legal framework provided.

Moreover, I am seeking clarification on the treatment of abandoned property on the 1099 and 1099C forms, particularly in the context of insolvency and discharge. Understanding the implications of these forms and their impact on my financial standing is paramount to address any potential issues proactively.

I firmly believe that the information presented in Publication 4681 and other pertinent federal regulations supports my position in these matters. Therefore, I kindly request your prompt attention and guidance to assist me in navigating these complex financial challenges effectively. 

Your expertise and assistance in providing clarity on these issues would be greatly appreciated. I kindly ask for your acknowledgment of this letter and detailed information on the subsequent steps to resolve these concerns in a timely and equitable manner. 

Thank you for your attention to this matter, and I look forward to a mutually beneficial resolution that upholds the principles of fairness and compliance with all applicable regulations. : -- - Subject : Formal Request for Debt Validation, Discharge Confirmation, Tax Documentation, Compliance with Abandoned Property Laws, Recourse Debt Verification, and Insolvency Status. 

I am writing to formally and unequivocally request validation of the alleged debt that your agency claims I owe. The communication I received from your agency referenced a debt identified by [ XXXX ] with an amount stated as [ {$1900.00} ]. 

As part of this request and pursuant to my rights under the law, I demand that you provide the following specific information to validate the debt : Subject : Formal Request for Debt Validation, Discharge Confirmation, Tax Documentation, Compliance with Abandoned Property Laws, and Recourse Debt Verification Dear Sir/Madam, I am writing to formally and unequivocally request validation of the alleged debt that your agency claims I owe. The communication I received from your agency referenced a debt identified by [ XXXX ] with an amount stated as [ {$1900.00} ]. 

As part of this request and pursuant to my rights under the law, I demand that you provide the following specific information to validate the debt : 1. Verification of the original creditor of the debt, including detailed documentation that establishes the legitimacy and accuracy of the debt 's origin, as well as any transfers of ownership.

2. Proof of your agency 's licensing and authorization to collect debts in the state of [ OREGON ], ( WASHINGTON ) supported by valid and up-to-date official documentation in compliance with all state and federal regulations.

3. Comprehensive documentation outlining the full particulars of the debt, including the original amount owed, itemized breakdown of any interest, fees, or charges accrued, and a clear delineation of the debt 's timeline as required by the Fair Debt Collection Practices Act ( FDCPA ).

4. Verification that the statute of limitations for collecting this debt has not expired, and clarification on whether this debt is classified as recourse debt, which may impact my liability and your ability to pursue collection beyond the collateralized assets. 

Please provide the requested information within XXXX WASHINGTON 30 days from the date of this letter. Failure to provide the necessary validation may result in legal actions to protect my rights under the law.

1. Verification of the original creditor of the debt, including detailed documentation that establishes the legitimacy and accuracy of the debt 's origin, as well as any transfers of ownership.

2. Proof of your agency 's licensing and authorization to collect debts in the state of [ OREGON ], supported by valid and up-to-date official documentation in compliance with all state and federal regulations.

Certainly! Below is a revised template for a letter requesting debt discharge and validation, including a debt cancellation letter in good faith due to financial hardship, a request for a 1099-C form, and relevant documentation. Additionally, it includes a request for set off of all debts in accordance with federal law : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Request for Debt Discharge, Validation, Debt Cancellation, and Setoff of Debts Dear Sir/Madam, I am writing regarding the federal debt collection practices and the debt you claim I owe, as per 15 U.S.C. 1692g. I have received communication from your agency regarding a federal debt listed as [ Reference Number or Account Number ] in the amount of [ Amount of Debt ]. Before taking any further action or making any payments, I request the following information to validate the debt in accordance with federal law : 1. Verification of the original creditor of the federal debt.

2. Proof of authorization to collect federal debts.

3. Documentation detailing the federal debt, including the original amount owed, any added interest or fees, and dates of the debt.

4. Confirmation of the validity and accuracy of the federal debt.

5. Any agreements or contracts relating to the federal debt.

Furthermore, I am requesting a debt cancellation letter in good faith due to my financial hardship. I also request a 1099-C form and any relevant documentation related to the outstanding federal debt or debt cancellation.

Moreover, in accordance with federal law, I hereby request setoff of all debts. I kindly ask that any outstanding debts be set off against each other to the fullest extent permitted by law.

Please provide all the requested information and documentation to the address indicated above. I expect a timely response as per my rights under federal law. 

Thank you for your attention to this matter. 

Sincerely, BENEFICIARY, [ XXXX XXXX XXXX ] requesting debt discharge and validation, including a debt cancellation letter in good faith due to financial hardship, a request for a 1099-C form, and relevant documentation. Additionally, it includes a request for set off of all debts in accordance with federal law : [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX, OR, XXXX ] [ XX/XX/XXXX ] ( Debt Collection Agency, XXXX XXXX, Experian, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 
[ XXXX, PA, XXXX, Experian, XXXX XXXX XXXX, XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX XXXX XXXX, XXXX XXXX. XXXX, TX XXXX. ) Subject : Request for Debt Discharge, Validation, Debt Cancellation, and Setoff of Debts Dear Sir/Madam, I am writing regarding the federal debt collection practices and the debt you claim I owe, as per 15 U.S.C. 1692g. I have received communication from your agency regarding a federal debt listed as [ Reference Number or Account Number ] in the amount of [ {$1900.00} ]. Before taking any further action or making any payments, I request the following information to validate the debt in accordance with federal law : 1. Verification of the original creditor of the federal debt.

2. Proof of authorization to collect federal debts.

3. Documentation detailing the federal debt, including the original amount owed, any added interest or fees, and dates of the debt.

4. Confirmation of the validity and accuracy of the federal debt.

5. Any agreements or contracts relating to the federal debt.

Furthermore, I am requesting a debt cancellation letter in good faith due to my financial hardship. I also request a 1099-C form and any relevant documentation related to the outstanding federal debt or debt cancellation.

Moreover, in accordance with federal law, I hereby request setoff of all debts. I kindly ask that any outstanding debts be set off against each other to the fullest extent permitted by law.

Please provide all the requested information and documentation to the address indicated above. I expect a timely response as per my rights under federal law. 

Thank you for your attention to this matter. 

Sincerely, [ XXXX ( XXXX XXXX  ] [ XXXX XXXX XXXX ] Remember to customize the letter with your specific details and send it via certified mail with a return receipt requested for proof of delivery. Retain copies of all correspondence for your records. 

If you have any more questions or need further assistance, feel free to ask. Good luck with your requests for debt discharge, validation, and setoff of debts.Your Printed [ XXXX, XXXX ] Remember to customize the letter with your specific details and send it via certified mail with a return receipt requested for proof of delivery. Retain copies of all correspondence for your records. 

If you have any more questions or need further assistance, feel free to ask. Good luck with your requests for debt discharge, validation, and setoff of debts. 


3. Comprehensive documentation outlining the full particulars of the debt, including the original amount owed, itemized breakdown of any interest, fees, or charges accrued, and a clear delineation of the debt 's timeline as required by the Fair Debt Collection Practices Act ( FDCPA ).

4. Verification that the statute of limitations for collecting this debt has not expired, and clarification on whether this debt is classified as recourse debt, which may impact my liability and your ability to pursue collection beyond the collateralized assets.

5. Disclosure of any information regarding my insolvency status, if applicable, and how it may affect the debt collection process.

Please provide the requested information within [ number of days as per your jurisdiction ] days from the date of this letter. Failure to provide the necessary validation may result in legal actions to protect my rights under the laws of [ OR ], with specific reference to the date of the last account activity or payment made on the debt.

5. Confirmation that the debt is not discharged, settled, or otherwise uncollectible due to bankruptcy proceedings, court judgment, or any other legal resolution that would preclude further collection attempts.

6. Documentation of any tax implications related to the forgiven or discharged debt, including a Form 1099-C if applicable, to ensure compliance with IRS regulations and reporting requirements.

7. Assurance of compliance with state and federal laws governing abandoned property and escheatment procedures, particularly if the debt has been inactive for an extended period or if the debtor 's whereabouts are unknown.

8. Verification of the categorization of the debt as recourse or non-recourse, including any documentation that outlines the specific legal recourse available to the creditor in the event of default or insolvency.

Please be advised that failure to provide the requested validation within [ XXXX ] specified timeframe may result in legal action to protect my rights under the FDCPA and other applicable consumer protection laws. 

I expect a prompt and thorough response to this formal request. All future communications regarding this matter should be in writing and sent to the address listed below. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX ] [ XXXX XXXX XXXX ] [ XXXX ] Warm regards, [ XXXX XXXX XXXX XXXX XXXX Subject : Request for Debt Discharge, Validation, Debt Cancellation, and Setoff of Debts Dear Sir/Madam, I am writing regarding the federal debt collection practices and the debt you claim I owe, as per 15 U.S.C. 1692g. I have received communication from your agency regarding a federal debt listed as [ Reference Number or Account Number ] in the amount of [ {$1900.00} ]. Before taking any further action or making any payments, I request the following information to validate the debt in accordance with federal law : 1. Verification of the original creditor of the federal debt.

2. Proof of authorization to collect federal debts.

3. Documentation detailing the federal debt, including the original amount owed, any added interest or fees, and dates of the debt.

4. Confirmation of the validity and accuracy of the federal debt.

5. Any agreements or contracts relating to the federal debt.

Furthermore, I am requesting a debt cancellation letter in good faith due to my financial hardship. I also request a 1099-C form and any relevant documentation related to the outstanding federal debt or debt cancellation.

Moreover, in accordance with federal law, I hereby request setoff of all debts. I kindly ask that any outstanding debts be set off against each other to the fullest extent permitted by law.

Please provide all the requested information and documentation to the address indicated above. I expect a timely response as per my rights under federal law. 

Thank you for your attention to this matter. 

Sincerely, [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ] Remember to customize the letter with your specific details and send it via certified mail with a return receipt requested for proof of delivery. Retain copies of all correspondence for your records. 

If you have any more questions or need further assistance, feel free to ask. Good luck with your requests for debt discharge, validation, and setoff of debts.Your Printed [ XXXX, XXXX ] Remember to customize the letter with your specific details and send it via certified mail with a return receipt requested for proof of delivery. Retain copies of all correspondence for your records. 

If you have any more questions or need further assistance, feel free to ask. Good luck with your requests for debt discharge, validation, and setoff of debts. 


XXXX. Comprehensive documentation outlining the full particulars of the debt, including the original amount owed, itemized breakdown of any interest, fees, or charges accrued, and a clear delineation of the debt 's timeline as required by the Fair Debt Collection Practices Act ( FDCPA ). 
4. Verification that the statute of limitations for collecting this debt has not expired, and clarification on whether this debt is classified as recourse debt, which may impact my liability and your ability to pursue collection beyond the collateralized assets.

5. Disclosure of any information regarding my insolvency status, if applicable, and how it may affect the debt collection process.

Please provide the requested information within [ 30 ] days from the date of this letter. Failure to provide the necessary validation may result in legal actions to protect my rights under the laws of [ OR ], with specific reference to the date of the last account activity or payment made on the debt.

5. Confirmation that the debt is not discharged, settled, or otherwise uncollectible due to bankruptcy proceedings, court judgment, or any other legal resolution that would preclude further collection attempts.

6. Documentation of any tax implications related to the forgiven or discharged debt, including a Form 1099-C if applicable, to ensure compliance with IRS regulations and reporting requirements.

7. Assurance of compliance with state and federal laws governing abandoned property and escheatment procedures, particularly if the debt has been inactive for an extended period or if the debtor 's whereabouts are unknown.

8. Verification of the categorization of the debt as recourse or non-recourse, including any documentation that outlines the specific legal recourse available to the creditor in the event of default or insolvency.

Please be advised that failure to provide the requested validation within [ XXXX ] specified timeframe may result in legal action to protect my rights under the FDCPA and other applicable consumer protection laws.

I expect a prompt and thorough response to this formal request. All future communications regarding this matter should be in writing and sent to the address listed below. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] [ XXXX ] Warm regards, [ XXXX XXXX XXXX XXXX if there any questions, you are more than welcome to contact me thank you.

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