Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #9046395

Complaint Overview

Complaint ID: 9046395

Company: Experian Information Solutions INC.

Product: Credit reporting 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: 322XX

Date Received: 2024-05-19T12:00:00-05:00

Date Sent to Company: 2024-05-19T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

Case # XXXX was closed XX/XX/XXXX. Harassment ensued after the case closure XX/XX/XXXX, XX/XX/XXXX, no service performed On XX/XX/XXXX it is fraudulently entered into court records that Affiant appeared for hearing and requested genetic testing setting case for trial/testing on XX/XX/XXXX @ XXXX On XX/XX/XXXX it is fraudulently entered by attorney for XXXX XXXX XXXX in XXXX XXXX that Affiant was served in open court and refused to sign service delivery and case was set for XX/XX/XXXX XX/XX/XXXX Affiant was informed by a coworker that he saw something on social media that has Affiants name being drug through the mud and informed Affiant of proceedings and how to get informed ; Affiant requested evidence of claim against the legal person of Affiant that resulted in the deprivation of rights and property or that all judgements be dismissed, all finances stolen be returned from unlawful garnishments, the collection account be removed from consumer file and reimbursement for all costs incurred in association of said actions totaling, at the time, {$15000.00}. On XX/XX/XXXX case came before the court and there being no service shown on the court file ; case was set for XX/XX/XXXX @ XXXX On XX/XX/XXXX there being no file of service upon Affiant, the court fraudulently entered for the record that service on the Affiant was shown in court file ; case was set for trial on XX/XX/XXXX @ XXXX On XX/XX/XXXX there being no file of service upon Affiant, the court fraudulently entered for the record that service on the Affiant was shown in court file ; case was set for trial on XX/XX/XXXX @ XXXX On XX/XX/XXXX ORDER DISMISSINGCASE # XXXX On XX/XX/XXXX a DOMESTIC RELATIONS/CHILD SUPPORT INFORMATION SHEET was completed by XXXX XXXX, an intervening party XXXX XXXX the DEPARTMENT OF HUMAN SERVICES CHILD SUPPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX knowledge, or authorization with the intent to deprive Affiant of privacy, property, and other reserved rights and fraudulently make Affiant a party to those matters XXXX fraudulently entered an incorrect birthday for Affiant ; New Case # : XXXX ; communicated fraudulent debt to third party without permission in violation of Affiants Consumer rights On XX/XX/XXXX @ XXXX XXXX a complaint was filed for ( new ) case XXXX and a SUMMONS was commanded to be served upon Affiant by ANY SHERIFF OR ANY PERSON AUTHORIZED BY THE ALABAMA RULES OF CIVIL PROCEDURE TO SERVE PROCESS On XX/XX/XXXX case came before the court for an ORDER SETTING CASE FOR REVIEW OF SERVICE; there being no service case was set on a Call Docket for review of Service on XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XXXX XXXXs the end of the lawful time of 60 days to serve. In accordance with ALABAMA RULES OF CIVIL PROCEDURE 4 ( i ) ( D ) Failure of Service. When the person serving process is unable to serve a copy of the process within XXXX ( XXXX ) days from issuance of the process by the clerk of court, the person serving process shall endorse that fact and the reason therefor on the process and return the process and copies to the clerk, who shall make the appropriate entry on the docket sheet and the electronic record relating to the action ; XXXX XXXX XXXX XXXX CLERK and the person serving process failed to comply with the requirements of ALABAMA LAW On XX/XX/XXXX PROSERVE PROCESS SERVERS stamped Failed Service Return Not at this address Does not live at service address ; server did not comply with ALABAMA RULES OF CIVIL PROCEDURE Rule XXXX On XX/XX/XXXX RETURN ON SERVICE-NOT SERVED was filed @ XXXX XXXX On XX/XX/XXXX XXXX XXXX XXXX XXXX PROCESS SERVERS fraudulently executed a return of service @ address : XXXX XXXX XXXX NWCenter Point, AL XXXX naming a friend as the recipient accepting for Affiant at an address that is not Affiants dwelling house or usual place of abode and is unauthorized to accept for Affiant in violation of ALABAMA RULES OF CIVIL PROCEDURE 4 ( c ) ( 1 ) ; XXXX failed to prove sufficient information to show the person served qualifies as a person to be served for the defendant under Rule XXXX ( c ) ; XXXX failed XXXX personally endorse these facts, as required by ALABAMA RULES OF CIVIL PROCEDURE 4 ( i ) ( 1 ) ( c ) : When the copy of the process has been delivered, the person serving process shall endorse that fact on the return copy of the process On XX/XX/XXXX RETURN ON SERVICE fraudulently states SERVED, without a return of service on file from process server, filed @ XXXX XXXX ; ORDER SETTING CASE FOR TRIAL on XX/XX/XXXX reflects there being no serviceshown in court file ; case set for Trial on XX/XX/XXXX @ XXXX XXXX ; New Case Number XXXX ; filed @ XXXX XXXX On XX/XX/XXXX a new case # : XXXX ; a CHILD SUPPORT-OBLIGATION INCOME STATEMENT/AFFIDAVIT was fraudulently completed by XXXX XXXX, a notary/clerk/DHR worker, who acted as the Affiant in completing said form XXXX she did not sign the notary/clerk section on the form which would require a Defendant, but signed in said capacity on the identical form marked for Plaintiff ; she fraudulently used Affiants private and personal information without authorization or knowledge of Affiant misrepresenting information presented in proceedings against the Affiant that caused injury ; On the CHILD-SUPPORT GUIDELINES form XXXX XXXX fraudulently misrepresented Affiants personal information for purposes of gaining a financial incentive and with knowledge that this misrepresentation of information would depoAffiant of rights and property ; on the CHILD-SUPPORT GUIDELINES NOTICE OF COMPLIANCE it was fraudulently entered that Affiant was a party supplying information on aforementioned forms fraudulently misusing proceedings and procedures as set out in Rule 32, ALABAMA RULES OF JUDICIAL ADMINISTRATION by stating have been followed and applied ; XXXX XXXX CLERK & REGISTER stamped in space designated for Signature of Defendant & Signature of Defendants Attorney ; fraudulently entered Affiants address ; fraudulently listed the telephone for XXXX XXXX XXXX Attorney as the number for DHR ; the child-support guidelines, as set out by the ALABAMA RULES OF JUDICIAL ADMINISTRATION, have not been followed and applied in XXXX faith On XX/XX/XXXX REFEREES FINDINGS AND RECOMMENDATIONS for a Default ModificatioXXXX fraudulently stated Affiant reached this agreement in Open Court ; ordered an income withholding order to be served in the amount of {$730.00} per month beginning XX/XX/XXXX ; arrears listed as {$12000.00}, interest at XXXX total {$14000.00} as of XX/XX/XXXX ; fraudulently listed Affiants address ; in the Findings & Recommendations/ Agreement and other information for formal Order it states Guidelines followed {$730.00} current support, states Affiant was served- XXXX ; Affiant did not receive a copy of said Findings ; set for review XX/XX/XXXX ; REFEREE XXXX XXXX XXXX ; formal order drawn up by XXXX XXXX ; filed XX/XX/XXXX XXXX DHR Worker signed as XXXX XXXX On XXXX XXXX addressed to an evidently erroneous address was returned to XXXX XXXX CLERK OF XXXX XXXX XXXX XXXX XXXX for the Default Modification with the notices across the envelope stating : Return To Sender Dont Stay Here Wrong Address No one here with this XXXX XXXX XX/XX/XXXX @ XXXX XXXX XXXX XXXX XXXX XXXX is filed ; this is inconsistent with the Case No. : XXXX which the ORDER OF MODIFICATION BY DEFAULT is identified ; the said ORDER falsely states that Affiant failed to appear after being served by Personal service; section A misrepresents Affiant as Defendant and fraudulently claims Affiant to be the parent of XXXX persons unknown to Affiant and without a contract to substantiate claims Affiant owes a duty XXXX support and maintenance to said minor children this is completely absurd and injurious ; ( B ) states that Affiant was ordered on XX/XX/XXXX, to pay child support in the amount of {$430.00} per month the referenced case # XXXX was closed XX/XX/XXXX so lawfully that order is null and void ; ( D ) states that Affiant is liable to the Plaintiff in the amount of {$14000.00} for arrears monies from a closed case ; these so called findings are found with the hopes of being incentivized by receiving federal money for the collection of child support, not for the benefit of the children, but for the benefit of the programs agents and administration Child Support Enforcement Agencies are debt collectors The Fair Debt Collection Practices Act ( FDCPA ) defines a debt collector as a person or company that regularly collects debts owed to others, usually when those debts are past-due. This includes collection agencies or lawyers who collect debts as part of their business. The FDCPA also defines a debt collector as any person who uses the mails or interstate commerce to collect debts According to the Consumer Financial Protection Bureau ( CPFB ), Section 1006.2 ( h ) of the Fair Debt Collection Practices Act ( FDCPA ) defines debt as " any obligation or alleged obligation of a consumer to pay money arising out of a transaction ''. There is no transaction between XXXX and those acting in concert as parties to an alleged obligation. The aforementioned parties have no AUTHORIZED contracts with XXXX to present as proof. XXXX thus cant be named as an obligor on a fraudulently filed XXXX XXXX statement claiming a lien on the Social Security Account XXXX that XXXX holds in due course. XXXX is not in debt or indebted to the said parties. The XXXX XXXX XXXX XXXX XXXX XXXX, ALABAMA is being used by agents of the Social Security Acts Title IV-D Program in concert with the CHILD SUPPORT ENFORCEMENT AGENCY and acting UNDER XXXX OF LAW by taking advantage of their office to misrepresent that they are actually not acting in their official capacity but as partners in an unofficial capacity. These are VIOLATIONs of FDCPA 802 ( a ), 805, 807 ( 1 ), ( 2 ), ( 4 ), ( 5 ), ( 7 ), ( 8 ), ( 9 ), ( 10 ), ( 13 ), & ( 14 ) ,808, & 809 ; U.S.C. 1692 but not limited to ; The said persons acting in a financial nature are guilty of violating 15 U.S.C. 6801 & 6802 for the disclosure of Affiants non public information to third parties without the obligatory disclosures to Affiant Affiant has notified the credit reporting agencies, Experian, XXXX, & XXXX, about this account and they each removed it in XXXX and subsequently put it back on Affiants consumer report in violation of 15 U.S.C. 1681 604 ( 2 ) Furnishers have violated 15 U.S.C. 1681 ( s ) ( 2 ) ( a ) ( 1 ) by ignoring fraud report and the original removal purposes Credit reporting agencies failed to comply with FCRA 607 ( a ) & ( b ) accuracy of report obligation by re-entering false information onto Affiants consumer report and failing to disclose investigative methods when requested by Affiant in violation of FCRA 606 ( b ) Credit reporting agencies have re-entered erroneous and fraudulent information onto Affiants consumer report and exposed consumer injury by violating 15 U.S.C. 1681 602 Credit reporting Agencies have violated permissible purposes of consumer report as codified in 15 U.S.C. 1681 ( b ) by not acting in accordance to Affiants written instruction as a consumer to remove the fraudulent and erroneous entry Data furnishers to the Credit reporting agencies have violated 12 CFR 1006.30 ( i ) & ( ii ) There was a failure to comply with 12 CFR 1006.34 ( c ) after written request from Affiant to validate debt The violation of 15 U.S.C. 45 ( a ) by causing the denial of XXXX passport due to acts in violation of said act Please Cease and Desist all communications and attempts to contact XXXX, immediately. XX/XX/XXXX Affiant was informed of ineligibility to receive a U. S. Passport because of owed child support payments The information is not related to any transaction of Affiant as a consumer and should be blocked in accordance to FCRA 605 B

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

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