Consumer complaint received 2022-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Complaint:
I demand that EXPERIAN remove my alleged debt and any consumer information on my credit report from my relationship with XXXX XXXX XXXX XXXX XXXX XXXX for their failure to return and sign an attached affidavit and Notice of Adequate Assurance of Due Performance within 10 calendar days of the date upon receiving this notice on XX/XX/2022 that was sent to XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. Given their failure to respond, XXXX XXXX XXXX XXXX XXXX XXXX is in dishonor of this Notice of Adequate Assurance of Due Performance and are in violation of the below laws. 

Failure to remove this inaccurate credit information on my consumer report by EXPERIAN will result in legal action. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX advertised a downpayment before running my credit application. This is a violation of my rights as a consumer under 15 U.S. Code 1662. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX advertised a trade-in before running my credit application. This is a violation of my rights as a consumer under 15 U.S. Code 1662. 

XXXX XXXX XXXX XXXX XXXX XXXX advertised a downpayment before running my credit application. This was discriminatory activity because I am XXXX or XXXX which is a violation of my rights as a consumer under 15 U.S. Code 1691. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX asked for my FICO score before running my credit application. This was discriminatory activity because I am XXXX or XXXX which is a violation of my rights as a consumer under 15 U.S. Code 1691. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX gave me false information willing and knowingly which is a violation of my rights as a consumer under 15 U.S. Code 1611. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX committed malfeasance, a wrongful, unlawful, or dishonest act ; esp., wrongdoing by misusing his fiduciary obligation over my Social Security XXXX XXXX XXXX by falsifying documents without my knowledge. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX failed to validate the debt according to uniform accounting principles consistent with XXXX. This violates 12 U.S. Code 1831n ( 2 ) ( A ) 8. By failing to validate the debt XXXX XXXX XXXX XXXX XXXX XXXX provided inaccurate credit reports which impaired my ability to efficiently engage in the banking system. This is a violation of 15 U.S. Code 1681 ( a ) ( 1 ). 

XXXX. Given XXXX XXXX XXXX XXXX XXXX XXXX failed to validate the debt, they provided false representations. This a violation of 15 U.S. Code 1692e ( 2 ) ( A ). 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX failed validate the debt amount. This is a violation of 15 U.S. Code 1692g ( a ) ( 1 ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX failed to validate the debt by providing the bookkeeping entries under XXXX that the company funded the loan, and therefore did not provide equal consideration for the contract and can not be the creditor to whom the debt is owed. This is in violation of 15 U.S. Code 1692g ( a ) ( 2 ). 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX failed to provide Adequate Assurance of Performance within a10 calendar day period upon receiving the notice to XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX on XXXXXXXX XXXX XXXX. This is in violation of Uniform Commercial Code 2-609. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX malfeasance, a wrongful, unlawful, or dishonest act ; esp., wrongdoing by misusing the company 's fiduciary obligation over my Social Security 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