Consumer complaint received 2023-10-04
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject XXXX Dispute of Inaccurate Information on Credit Report - Request for Forensic Audit DO NOT USE E-OSCAR TO VERIFY ANY ALLEGED DEBTS ON MY ACCOUNT Dear Sir/Madam, I, XXXX ; XXXX, Executrix XXXX living soul for the estate of XXXX XXXX XXXX, am writing to dispute several items on my credit report, which I believe contain inaccurate information, and violations of federal trust laws. These inaccuracies are causing significant harm to my financial standing and reputation. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request that these inaccuracies be corrected promptly.

The estate in question with associated social security number is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I dispute the accuracy of all accounts on record with negative, defamatory or inaccurate information because of the following information : 1. It is the duty of credit agencies to ensure that only accurate information is listed on the credit reports. It was brought to my attention by an employed Supervisor at ( Credit Agency ) that they do not follow proper FCRA and debt collection practices for proper validation of accounts. They are merely paid to compile and place items on the credit report.

2. The prices for placing accounts on the credit reports vary as CRAs credit reporting agreements are financially incentivized to report at high volumes. This is a direct violation and causes blatant discrimination. I am demanding a copy of the pricing information stated within the credit reporting agency agreement, settlement agreement between the credit reporting agency and consumer groups.

3. It was also confirmed via this same call that the credit report has been SOLD without my knowledge to several other institutions. Additionally, due to this newfound evidence I assert my rights as the surety of these individual accounts, any deposits, revenue, interests, as well as all other dividends earned that have derived or will derive from its creation. All rights of the creditor should be assigned to the appropriate party. 
4. The Credit report has been used as a securitization asset and marked as a debt security. I did not authorize the underwriting for any of my securities for revenue at the expense of my report. This is grounds for securities fraud as well as identity theft. 

In light of this newfound information, I am demanding a complete and thorough audit and investigation. 
I hereby request a complete forensic audit of each of the accounts in question, pursuant to 44 USC 2201. This audit should include, but not be limited to, the following : 1. Detailed account of the generally accepted accounting principal statements and transaction history on the public and private side. 
2. Copies of any contracts, agreements, or documentation related to these accounts.

3. Documentation of any reverse repurchase agreements associated with these accounts.

4. Proof of the validity of any international contracts related to these accounts. 

I am kindly requesting that you investigate all accounts, collections, charge offs and Inquiries and take the following actions within 15 days, as required by the FCRA : 1. Verify the accuracy of the information with the respective creditors or collection agencies.

2. Conduct a complete forensic audit of the accounts in question, as requested. 
3. If the information can not be verified or if it is found to be inaccurate, remove it from my credit report immediately.

4. The Credit Reporting Agency Agreement 5. Copy of all investigative evidence submitted in response to my dispute with the alleged creditors. 
6. Provide me with a copy of the updated credit report once these corrections have been made.

I am filing complaints with the FTC & SEC in regards the violations of security fraud and identity theft, I will also be filing a IRS complaint 211 OMB form. Failure to comply with these requests for removal within the specified timeframe will leave me with no choice but to take legal action to seek remedies for the damages incurred. I am prepared to pursue full claims of damages in equity, as allowed by law. 

Enclosed, please find copies of documents supporting my dispute. 

Please acknowledge receipt of this dispute letter within five business days. You may contact me at XXXX if you require any further information or clarification. 

I expect a timely and thorough investigation of these disputes, along with the requested forensic audit, and all other documentary material specifically and non-specifically referenced and the removal of any inaccurate information from my credit reports. Your prompt attention to this matter is appreciated. 

For every day past the allotted 15-day time period, you will be billed {$1500.00} per violation, per day that the response goes unrebutted or responded to. 

XXXX ; XXXX XXXX Executrix All Rights Reserved UCC1-308 XX/XX/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 non-monetary relief