Credit reporting, credit repair services, or other personal consumer reports -- Improper use of your report -- Complaint #5818346
Complaint Overview
Complaint ID: 5818346
Company: Experian Information Solutions INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Florida
ZIP Code: 33068
Date Received: 2022-07-27T12:00:00-05:00
Date Sent to Company: 2022-07-27T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
NOTICE : Cease and Desist Pursuant to 15 USC 1692c ( c ). I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through ANY and ALL mediums. Pursuant to 15 USC 1692c ( c ) ( 2 ) - I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following pursuant to Federal Laws and my rights. A. XXXX out the balance on ALL accounts listed below as paid as agreed. B. Deletion from all Consumer Report and Consumer files. C. Remove ALL late payments D. Delete or remove ANY or ALL COLLECTION ACCOOUNTS on my Consumer File and Consumer reports. E. Delete or remove ANY or ALL COLLECTION ACCOOUNTS on my Consumer File and Consumer reports. I conditionally accept your offer upon proof of bona fide claim. I have the right to Clear, Complete and Accurate information regarding my consumer report and consumer file. I also have the right to ask questions and you have a duty to answer them. Notice Pursuant to 15 USC 1681b ( 2 ) -Permissible purpose of a consumer report. 1. Do you have the authority to furnish anything on my consumer report or consumer file without my consent or written instructions? If yes, in good faith or under Penalty of Perjury please produce or provide sufficient evidence or documentary material facts to support your claim. Notice failure to comply under law leads me to believe you may be committing FRAUD and shall incur a penalty and/or criminal liability of a XXXX XXXX dollars ( {$100000.00} ). Notice Pursuant to 15 USC 1681r further reporting of inaccurate or incomplete or unauthorized disclosure of alleged account reporting in question if you knowingly and willfully continue to be unlawful i will claim harm by the way of Trespass, FRAUD, Breach of Privacy rights, dishonor and unauthorized disclosure by unlawful officers or employees of XXXX and shall incur a penalty and/or criminal liability of {$10000.00} a day upon receipt of this offer. I am demanding you in accordance with my rights pursuant to 15 USC 1681b ( 2 ) Pursuant to 15 USC1681a ( d ) ( 1 ) ( A ) ( 2 ) ( i ) as my instructions are as follows Exclude or Delete or Remove these Unauthorized alleged accounts from my consumer report and my consumer file listed below. 1. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX accounts XXXX. DEPT OF ED/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Notice You have 10 days to respond to this offer with sufficient evidence failure to comply under law shall incur penalty and or criminal liability under Federal Law title 18 and Title 15 and other applicable laws. Failure to comply you will be in violation pursuant to 18 USC 102A- Aggravated Identity Theft. Failure to comply you will be in violation pursuant to 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) Failure to comply you will be in violation pursuant to 15 USC 1681n Failure to comply you will be in violation pursuant to 15 USC 1681o Best regards, XXXX XXXX a man
Frequently Asked Questions
What is Complaint #5818346 about?
Complaint #5818346 was filed against Experian Information Solutions INC. regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2022-07-27T12:00:00-05:00.
How did Experian Information Solutions INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting, credit repair services, or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Experian Information Solutions INC.?
Yes, visit the Experian Information Solutions INC. company profile at readthecomplaint.com/company/experian-information-solutions-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.