Consumer complaint received 2024-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Several months ago I was contacted by XXXX and XXXX. The company preteded to be a law firm causing me to become very concern. Under this pretense they solicited my personal and private information including name, date of birth, address, and social security number. After giving this information up i was then informed that they were a debt collection Angency. I Told them i have no business with them and i do not wish to contract. I was then threatened with negative reporting to the credit reporting agencies. I sent the company several affidavits including a verification of debt pursaunt to 15 USC 1692g, 15 USC 1692c, 15 USC 1681e ( b ). The company informed me that they will not provide anything and i should contact XXXX  for that and the female representative ( with a XXXX accent ) hang up the phone on me. I have also sent a affidavit of a Cease and Dessit to XXXX and XXXX and a withdrawal of consent which explicitly instructed them not to furnish, present or produce and information about myself ( XXXX XXXX ) and or this alleged debt to the credit reporting agencies, and to Cease any and all communication to me, and or about me to anyone. Upon calling them to verify that they did receive this certified mail they instructed me that they will deliberately report to the credit agencies if i dont pay them. This actions is threatening, abusive and retalitory. I then informed them that i will conditionally pay this debt if they can verify it, or produce a contract between them and myself with my wet ink signature. At this Juncture of time XXXX and XXXX has not responded to any of my lawful affidavits, writing and verbal demands, which dissolved this matter under the Maxims of law. 
I disputed the collection account with the credit reporting agencies who continue to furnish information of this account on my credit file which negatively impacts me ( XXXX XXXX ) and is causing injury to my estate and binding my present and future contracting ability. 
This account is fraudulent, and inaccurate and the credit reporting agencies were made aware of that and continue to furnish this information/ reporting on my credit file. They failed to resolve this dispute but instead instructs me on every occasion including now, to contact XXXX and XXXX myself to dispute it with them. Which i have already done in good faith and presented the evidence of XXXX and XXXX acting in bad faith, and unlawful capacity which violates my spiritual rights pursuant to XXXX XXXX by attempt to defraud me of my wages as this deabt is not lawful. 
This matter was already dissolved under the maxims of law as i informed the XXXX representative who i presented my contractual terms to. She the them told me thay she understands the terms of my contract which is listed below. Anything that was not stipulated in the verbal contract is henceforth stipulated and presented. Any Party that is not aware is henceforth aware I conditionally consent to the reporting of this account on the condition The Credit reporting agencies, namely XXXX, XXXX, and Experian but not limited to them, and XXXX and XXXX in their individual contracring capacity, agree to compensate me ( XXXX XXXX ) {$250000.00} for each report furnished about this account and for each new monthly report. This amount is due upon delivery of the report and acceptance by the Credit reporting agencies and will double every 7 ( seven days if payment is not received ) Each individual Company, and or Agency can demonstrate Performance of contractual acceptance by continuing to report/furnish the account information after a period of 48 hours from the receipt of this notice. XXXX and XXXX can demonstrate Acceptance but not removing this account withing 48 hours from the time of this notice. Acceptance is defined as the Agencies, and or XXXX and XXXX maintaining the information provided in the report in their records. 

Should the Agencies and or XXXX and XXXX choose to reject this contract offer, the report, they must demonstrate this rejection by removing all information associated with the account from their credit file, and my credit within 48 hours of receipt of the report. Failure to do so will be considered acceptance of the report. 
All Rights Reserved UCC 1-308

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