Debt collection -- Communication tactics -- Complaint #6053918

Complaint Overview

Complaint ID: 6053918

Company: Experian Information Solutions INC.

Product: Debt collection

Sub-Product: Other debt

Issue: Communication tactics

Sub-Issue: Used obscene, profane, or other abusive language

State: South Carolina

ZIP Code: 29617

Date Received: 2022-10-05T12:00:00-05:00

Date Sent to Company: 2022-10-06T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

I am the consumer writing and there is no third party involvedXXXX XXXX XXXX a debt are reporting inaccurate information to the national consumer reporting agencies to coerce payment. The FDCPA was passed to eliminate abusive, deceptive, and unfair debt collection practices. According to my records, I do not recall giving XXXX XXXX XXXX a debt any prior consent to communicate with me aboutanymatter.Was I even given a choice to hold an account with XXXX XXXX XXXX a debt? How do I owe XXXX XXXX XXXX? How was this verified? XXXX XXXX XXXX and XXXX and Experian ignored my recent disputes and never provided sufficient evidence because this can not be verified. Experian send an automated response without even investigating which violated the FCRA. Fraud is wrongful or criminal deception intended to resultin financial or personal gain. And that is exactly what XXXX XXXX XXXX, Experian, and XXXX are, a fraud.In additionto that, furnishing this alleged debt to the national reporting agencies to coerce payment violates 15 USC 1692d ( 4 ). XXXX was not habitable. And do I not have a right to PRIVACY? Why was I never given the option to opt out of this reporting? Why was I never given an option to opt out of an account with XXXX? In other words, this sounds like account LACKS FULL DISCLOSURE, AND ADEQUATE CONSIDERATION! I never agreed to any terms with XXXX XXXX XXXX, THEY WERE FORCED ON ME. There was no working AC for MONTHS, water leaks, pest were NOT CONTROLLED and I refuse to pay this debt.Prove tome how this extension of credit with XXXX even became a debt with XXXX. Please send a complete audit trail with accounting history evidencing added charges, and payments made since I have never even seen it.I wish to deal with this matter only in writing.NCS must cease all communications engaging any conduct to harass, oppress me in connection with collection of a debt, except by US Postal mail to inform me thatcollection activities are being stopped. In accordance with 15 USC 1692c ( c ), I refuse to pay this debt. To be clear, Communication means reporting of an alleged debt to XXXX. Communication under the FDCPA means The convenience of information regarding a debt, directly or indirectly to any person through any medium. I demand this tradeline bedeleted from all national consumer reporting agencies as it is preventing me from obtaining a car and house for myfamily. Not to mention, the mental anguish that comes with it not being able to provide for my family.I am writing to claim all rights, titles and interest on the subject matter. This will be my 3rd time attempting to rectify this matter. I would appreciate your timely response as I am falling harder and harder on already hard times. Warm regards, XXXX XXXX

Frequently Asked Questions

Disclaimer

This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.

Related Pages

• Experian Information Solutions INC. Company Profile
• Debt collection Complaints
• Communication tactics Complaints
• South Carolina Complaints
• Company Rankings
• Company Directory
• Search Complaints