Consumer complaint received 2020-09-05
Company: Experian Information Solutions Inc.
State: PA
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:
THIS IS BEING SENT TO YOUR OFFICE CERTIFIED MAIL, NOTARIZED : Date : XX/XX/XXXX NON-NEGOTIABLE XXXX  of the family : XXXX Authorized Representative for XXXX XXXX XXXX and all derivatives thereof D.O.B. : XX/XX/XXXX SSN # : XXXX C/o XXXX   # XXXX XXXX XXXX XXXX, PA [ Non- Assumpti ] NOTICE REGARDING XXXX XXXX XXXX XXXX   XXXX ( as it appears on consumer credit report ) To : XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , DE XXXX Re : Non-Compliant reporting to XXXX , XXXX XXXX , Experian and XXXX This letter is a notice of probable legal action against your company for willfully reporting false information on my credit report, violating the Fair Debt Collection Practices Act ( FDCPA ), violating the Fair Credit Reporting Act ( FCRA ). FCRA liability holds statutory damages at {$1000.00} per violation. Each account is considered a separate violation. 

I demand that you update this account, furnishing the data to reflect perfect payment history, with no missed payments, no late payments ; as I have not received to date : 1. Statement of Account Verification. Your claim which you are publishing by furnishing that the account has been late, must be verified to prove the validity, by presenting the Statement of Account under oath or notary seal, and signed by an Officer of XXXX - XXXX XXXX, under penalty of perjury as to accord with impartiality, honesty and integrity. 

I hereby give you fourteen ( 14 ) days to perform to react to this notice sent using recorded post, and signed by the Deputy Director under their full commercial liability and penalties of perjury, assuring and promising me that all of the replies and details given to the above request are true and without deception, fraud or mischief ; providing record of the accounting of any late payments. 
Without such records the late payment should be corrected on my consumer credit report. Your failure to do so constitutes a prejudice to my rights and is dam-aging to me. A credit report is not proper record. 
Page 1 of 2 Do not respond to me via email or text communications, except that initiated by me through The Consumer Finance Protection Bureau.

TAKE JUDICIAL NOTICE 1. Richardson v. Fleet Bank of Massachusetts, 190 F. Supp. 2d 81 ( D. Mass. 2001 ) 2. Chase Manhattan Mortgage v Toby Nelson ( 9th Circ CA  US ) No. 00-15946 By : : XXXX of the family : XXXX. 
Authorized Agent and Representative for XXXX XXXX XXXX No assured value, No liability. Errors & Omissions Excepted. All Rights Reserved. 




















Cc : WITHOUT RECOURSE NON-ASSUMPSIT Calls maybe recorded Pennsylvania Office of Attorney General XXXX XXXX XXXX, PA XXXX CRIMINAL INVESTIATIONS SERVICE CENTER U.S. Postal Service, MAIL FRAUD DIVISION XXXX, IL. XXXX   POSTMASTER GENERAL U.S. Postal Service XXXX XXXX XXXX, Postmaster General Washington DC XXXX ATTORNEY GENERAL, United States of America U.S. DEPARTMENT OF JUSTICE XXXX XXXX, Attorney General of the United States Washington DC XXXX { REST OF PAGE LEFT BLANK INTENTIONALLY } Page 2 of 2 A notary public or other officer completing this certificate  verifies only the identity of the individual who signed the document to which this certificate is attached, andnotthe truthfulness, accuracy, orvalidity ofthat document.

State of County of Subscribed and sworn to ( or affirmed ) before me on this day of, 20, by, proved to me on the basis of satisfactory evidence to be the person ( s ) who appeared before me, the biological man/woman ; I place my hand and seal hereon as an authentic act as a Notary Public Officer.

Signature My Commission Expires : Seal Place Notary Seal  Above Signature of Notary Public This section prevents deterrence and alteration of the document or fraudulent reattachment of this form to an unintended document. 
Description of Attached Document Title ( s ) or Type ( s ) of Document ( s ) : NON NEGOTIABLE XXXX Number of Pages : 2 Document Date: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