Consumer complaint received 2025-02-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX Date of Birth : XX/XX/XXXX Last XXXX SSN : XXXX Name Collection Company : XXXX XXXX XXXX Account number for the debt : XXXX Balance : {$XXXX} Date Opened : XX/XX/XXXX NMLS ID : XXXX Dear CFPB I am responding to your contact about a debt you are trying to collect. You identified the debt as mine in the amount of {$XXXX} dollars. Please provide the following information so that I can be fully informed : I understand you are claiming that I owe you and/or your client money. 

I'm disputing this debt ( and any and all other debts you claim that I have ). You can find all the debts you claim to have on me - I dispute them all. 

If you believe I owe you and/or your client any money on any debt, please send me proof for each and every debt as I dispute them all. This includes any verification you have or can get including : * If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. 

* Copy of the application for credit or medical application or intake or whatever it is that you claim I applied for as I need to see exactly what debt you are trying to collect; * Copy of the contract and any amendments as this will show what the terms of the contract are so I can see if you are following this in the amount you are trying to collect from me; * Monthly statements from when I had a XXXX balance up to the final statement or all statements related to this alleged medical debt or statements related to whatever type of debt you claim I owe because I need to see all the charges, payments, credits, etc. to compare this with the contract and see if the amount you are claiming is correct; * If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law ; * Tell me when the creditor claims this debt became due and when it became delinquent ; * What is your authority to collect this debt as I have never done business with you? If you claim to own any debt you claim I owe, give me the full purchase agreement so I can see if you really own this debt; * Do you have jurisdiction or legal permission to collect this debt in the state of Florida? I need to see if you have jurisdiction in my state. According to your NMLS ID number # XXXX, you do not have jurisdiction or legal permission to collect this debt in Florida. I am attaching evidence directly from the XXXX, Explain to me why you are trying to collect this debt in Florida; * I have requested this information because I have some questions. I need to hear from you to make an informed decision about your claim that I owe this money. As required by law 15 U.S. Code 1692g, I need all the disclosure requested in this document in writing, I am open to communicating with you for this purpose. To make sure they don't put me at a disadvantage, in the meantime, please treat this debt as in dispute and in discussion between us.

This debt is fraudulent and is damaging my reputation and my chances of acquiring a loan or mortgage. I am willing to take this to court for intentional damages. Please delete this illegal and fraudulent account immediately. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX 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