Consumer complaint received 2022-02-08
Company: Experian Information Solutions Inc.
State: GA
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:
From XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TO : EXPERIAN A credit reporting agency ATTN : XXXX XXXX, CEO, XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX NOTICE OF DEMAND NOTICE TO AGENT IS NOTICE TO PRINCIPAL ; NOTICE TO PRINCIPAL IS NOTICE TO AGENT RE : XXXX XXXX XXXX, Experian Member ID # XXXX Dear XXXX XXXX or whomever this may concern, PLEASE READ THE FOLLOWING NOTICE THOROUGHLY AND CAREFULLY BEFORE RESPONDING. It is a notice ; pursuant to California Commercial Code 1202 ( a ) ( b ) ( c ) ( d ) ( e ) ( f ). It informs you, and it means what it says. 

THIS NOTICE IS NOT A DISPUTE!!! 

I am : XXXX XXXX XXXX, the XXXX  and XXXX XXXX XXXX for the XXXX XXXX XXXX, XXXX . I am the private originator of all value, commercial or otherwise, that has or can ever descend to the public XXXX XXXX XXXX artificial person and any derivatives thereof. 

With that being said, it has come to my attention that EXPERIAN may not have done its due diligence in regards to the credit reporting of XXXX XXXX XXXX. From my perspective, it seems as if EXPERIAN has taken the side of the purported creditors, to the dismay of the alleged debtor, XXXX XXXX XXXX, resulting in commercial injury and harm to the person these reports are identified with. 

Pursuant to Title 15 U.S.C. 1681s-2 ( a ) ( 1 ) : ( A ) : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) : A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) : the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) : the information is, in fact, inaccurate. 

Pursuant to Title 15 U.S.C. 1681s-2 ( 2 ) : A person who - ( A ) regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the persons transactions or experiences with any consumer ; ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate. 

As the General Executor of the XXXX XXXX XXXX, Estate, I have done my due diligence by contacting all alleged creditors listed on your reporting site www.experian.com, by sending them each a Notice to Validate Debt within 30 days, via certified mail. Today, XX/XX/2022, constitutes the XXXX day since those notices were sent out and I have yet to receive anything from the alleged creditors that are listed on XXXX XXXX XXXX credit report provided by EXPERIAN, and I also see no changes made to the alleged debts and delinquencies on your reporting site. 

As this is a time sensitive matter, and effects multiple avenues within the life of XXXX XXXX XXXX, both personally and commercially, I demand EXPERIAN remove any and all derogatory and/or negative information reflected in these reports or mark all accounts as being in Good Standing until proof otherwise is presented, within THIRTY ( 30 ) DAYS upon receipt of this certified notice, pursuant to California Commercial Code 1303. It is required by law and hereby demanded of you to act in Good Faith in regards to this accounting, pursuant to California Commercial Code 1304. If EXPERIAN so feels the need to respond to this notice, please provide your representatives name, title, and email or phone number to facilitate ease of communication. 

If this office does not receive any response in regards to the matter stated in this notice, it will be deemed a tacit agreement by your acquiescence and that EXPERIAN will comply with this demand to remove any and all derogatory information that is reflected on the account and in the name of XXXX XXXX XXXX. 

Sincerely without malice, ill will, vexation, or frivolity... 

IN GOD WE TRUST - : WATCH : I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. 

Executed on XXXX filed ___________________________ By : executor 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