Consumer complaint received 2023-01-27
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Credit score as a result of issues contained in the complaint continues to drop on a weekly basis with a systematic decrease of XXXX  points irregularly. Agency refuses to restore points while investigation of disputed items are underway. Agency refuses to LAWFULLY validate and/or verify inaccurate information and allows for the removing and replacing of successfully disputed information, outdated information. Agency refuses to accept supporting documents of payment and/to settlement supports and is unlawfully reporting income, business information, etc.

Please accept this letter of dispute as well as demand for lawful Right of Recission for the above listed account ( s ). This demand is submitted pursuant to the following United States Codes, Uniform Commercial Codes, Fair Credit Reporting ACT, and the Code of Federal Regulations and SHALL be remedied, litigated, investigated, audited, and punished by the same if immediate compliance and attention is not met starting at a date no less than day ( 1 ) one of account opening and charging the maximums for each day of CRA reporting to date : 18 USC 894 Collection of extensions of credit by extortionate means 15 USC 1692 ( k ) Civil Liability 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( b ) ( e ) Reporting inaccurate on a trust, corporation, and/or estate ; Reporting income ; Reporting without maximum accuracy.

FCRA Section 623 ( a ) ( 1 ) ( A ) ( B ) ( i ) ( ii ) Duties of Furnishers of Information to Provide Accurate Information FCRA Section 623 ( 5 ) ( A ) ( B ) ( i ) ( ii ) ( iii ) Duty to Provide Notice of Delinquency of Accounts XXXX XXXX XXXX, XXXX XXXX XXXX is a registered trademark doing business as a limited liability company, corporation, and/or trust operated and managed privately by XXXX XXXX a secured party creditor for the corporation.

Please provide lawful verification, validation, original dates of delinquency ( s ) including but not limited to wet ink signatures on any and all lawfully valid agreements made by a lawful signee of this private corporation to insure the compliance and provisions of FCRA Section ( 6 ).

If this is a matter of credit, loan involving a negotiable instrument please provide any and all lawful verification and validation of the consideration by the creditor pursuant to the Uniform Commercial Code 3-303.

Additionally, records reflect support of successful payments, adjustments, and/or lawful negotiable instruments being submitted, accepted, and confirmed via receipt. Please provide as a matter of validation of debt owed any financial statements and/or rejection codes so that proper investigations can be thoroughly accomplished.

This letter serves as a direct Notice to Cure as well as a 90 Day Notice of Intent to pursue lawful remedy including but not limited to compensatory damages for libel and other violations of law deemed suitable. This is a time sensitive issue. Please respond within 10 business days of this filing. If we do not hear from you we will consider the matter resolved and expect all proper corrections and adjustments as well as updated communications to any applicable CRA 's. If these matters are not corrected within 30 days we seek immediate counsel and proceed with suitable means of remedy at the cost of your company. 


Regards, XXXX XXXX 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