Consumer complaint received 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
Response to an insufficient validation you sent to me.This collection is not accurate or can be validated. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the alleged debt. I already asked that you provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for.

2 ) A complete Audit Trail calculation of this balance, including the complete payment history on this account 3 ) Documentation that shows I agreed to pay this debt with my signature and documentation shows I gave you permission to have my information and paperwork showing I gave you authorization to report this to my credit report. No consent to you having my information and unauthorized use of my social security number is identity theft and you will be reported for such. 
4 ) The Agreement that grants you authority to collect on this alleged debt.

5 ) A copy of your state license, including license number that give you rights to collect in my state.6. ( Thepurchase agreement showing where you purchased my personal information without my consent which is fraud because you are unknown to me I never did business with you ) 7. ( Senior Executive from your office to Swear under penalty of perjury this corporation were present during the alleged debt you nor I can validate this because we wasnt present ) 8. ( The Original Promissory Note on this Alleged Debt ) Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act and FDCPA.Also you have committed the following FDCPA Violations you are sending deceptive forms making false belief that I owe you.

15 U.S. Code 1692j - Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in aconsumer that a person other than the creditor of suchconsumeris participating in the collection of or in an attempt to collect a debt suchconsumer allegedly owes such creditor when in fact such person is not so participating. I am not participating in the collection of this alleged debt.

Stop contacting me about this or any other matter you have. cease and desist ASAP and delete this account from my credit reports, except to provide me with accurate validation of this debt by U.S. mail only not the same insufficient docs you already sent.

I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and XXXX XXXX XXXX XXXX  to have confirmation of proof.

You have 15 days from the date of this letter to respond with all items requested and I demand this item be removed immediately from all credit reporting agencies and 3rd parties or I will seek lMonetary compensation damages for the violations you already committed.

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