Consumer complaint received 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Portfolio recovery is reporting the same alleged debt onto my consumer report XXXX different times all reporting with different dates balances account numbers and information. These accounts are illegitimate in accurate and they must be removed. XXXX XXXXXXXX has charged off my account and sold it to XXXX  XXXX XXXX with out my written consent or permission. This is a direct violation of the law and of the contract that was signed between myself and XXXX XXXX. I have never agreed to do business with XXXX and they have obtained my contact information and banking experiences through Aggravated Identity Theft 18 U.S.C. 1028A Simply stated, aggravated identity theft occurs when someone knowingly transfers, possesses, or uses without permission, identification of another person, and then uses that identification during and/or in relation to the act of a particular felony violation. Re : Acct # [ XXXX ] I was made aware of your attempt to collect an alleged debt less than 30 days ago. Please be advised that I hereby dispute the validity of the above-listed alleged debt in its entirety. I request verification/validation of the alleged debt and specifically request a copy of a contract or agreement signed by the alleged original creditor and all parties to any such contract provided. Note : a billing statement, notice, or any unsigned document is not verification of the alleged debt. You are on notice that you are unlawfully attempting to collect the above-listed alleged debt. Cease & desist all collection activity, including reporting to consumer reporting agencies ( CRAs ). Providing me the specific verification documents above shall not be deemed collection activity. Further, I request that you promptly delete any and all prior consumer reporting made to any CRAs. If you comply with my cease collection & deletion request, then you are excused from verification. If you opt to provide verification, also provide proof of the chain of title of ownership of the debt. If the alleged debt was acquired by a 1682g debt buyer, then proof of chain of title of the alleged debt must be from the alleged original creditor to the current alleged owner without any break in chain. This letter is evidence that may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to fully inve stig late this att er nd receive inform related ereto. Be advised, if you fail to comply with this letter, I may turn the matter over to a consumer attorney. Portfolio recovery associates are attending to collect an alleged date on a consumer that resides in a state that They do not have the licensing to do so. I being a Michigan resident Reside outside of the jurisdiction of portfolio recovery associates. In an attempt to collect this alleged debt they have chosen to furnish this information onto my consumer report relating to this debt. Even the reporting of this alleged dead has several and accuracies collection account is reporting as past due, which does not make any sense if they have purchased the rights legally to this debt it would have already have been past due at the moment of their purchase, so why would it be reported as past due? This is a closed collection account correct? This alleged debt is a collection how Would a collection account have a XXXX month term as far repayment if the account was purchased after it had already been closed. I am requesting that this information be removed from my consumer report effective immediately as this collection company does not even have the right to attempt to collect a debt from me, I have never conducted any business with this company, including agreeing to an alleged debt collection nor have I ever given them permission to furnish, any information on my behalf This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account.

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