Consumer complaint received 2023-07-23
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
See attached... 
You ( XXXX XXXX ) have verified the account XXXX on my consumer report as accurate several times however the account is still inaccurate. The original creditor is not listed and the account shows charged off along with several other inaccuracies. 
If you ( XXXX credit ) have charged off the alleged debt that means you have took a loss and are required to file a form XXXX so that you are able to get a greater deduction on your tax returns if you ( XXXX XXXX ) have took this loss then why havent I received my XXXX? and why are you ( XXXX credit ) still preparing and reporting on my consumer report to defame my character and reputation with the intention of extorting money/payment from me when the alleged debt has already been paid when you ( XXXX XXXX XXXX XXXX XXXX asset backed notes in the transaction SUBI for business purposes in a consumer credit transaction for personal, family and household use??? 
How are you ( XXXX credit ) verifying the account as accurate if you can not determine the original creditor? You ( XXXX XXXX ) can not list the original creditor because you have sold the promissory note ( contract ) in which then is held by the indenture trustee to insure that noteholders ( institutional investors ) get paid their monthly payments which is compensation for their investment. But XXXX the trustee supposed to make sure that I received my benefit of MY consumer credit transaction since i am the actual beneficiary??? This is clearly a breach of representations and warranties. 
How is it that you ( XXXX XXXX XXXX are securitizing asset backed notes for business purposes on a consumer credit transaction for personal, family or household use : and also failing to provide me, the consumer, with adequate notice that you would do so, isnt this clearly a breach of representations and warranties? ; You ( XXXX XXXX ; sponsor ) Did Not Loan me ( the consumer ) anything and you also failed to disclose that you would sell the transaction XXXX XXXX XXXX promissory note to another company ; such as XXXX XXXX XXXX ( issuing entity ), XXXX AutoLease/Loan underwritten Funding ( Depositor ), and XXXX XXXX XXXX XXXX XXXX XXXX issuing entity ). You have securitized this transaction for your business financial gain on a consumer credit transaction and failed to provide me with adequate notice of beneficial ownership and the holder in due course. This is a violation of the Truth in Lending Act and the transaction is fraudulent and void. You ( XXXX XXXX ) are not the XXXX XXXX so how is it that you are verifying the account as accurate? Please provide me with the XXXX daily transaction log and all of the actual accounting ledgers which show the source of funds being loaned out. If you can not provide the same you are legally required to delete the account from my consumer report in which you have willfully and knowingly and intentionally damaged and defamed my character and general reputation with your false reporting. Your deceitful conduct has lead to my billing error dispute and notice of rescission which you ( XXXX XXXX XXXX has failed to acknowledge which is another violation of XXXX. As a result of your deceitful conduct i have also suffered severe damages and you ( XXXX XXXX ) are liable. see attached. 

Statements and contracts are not verification of the alleged debt ( see XXXX concrete fcu v kaunanoe ) See attached

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