Consumer complaint received 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
SUPPLEMENTAL AFFIDAVIT OF DISHONORExperians Admitted Authority to Correct Without Furnisher VerificationFiled Pursuant to FCRA 1681i ( a ), 15 U.S.C. 1681s-2 ( b ), and UCC 3-603 Submitted to : Consumer Financial Protection Bureau ( CFPB ) Targeted Entity : Experian Information Solutions , Inc . 

Submitted by : XXXX XXXX XXXX XXXX, Florida XXXX I. NOTICE OF PROCEDURAL MISCONDUCT It has come to my attention that Experian publicly admits within its dispute process statements that : In some instances, we are able to determine whether the disputed information should be changed or deleted without having to contact the furnisher or the vendor. 

This admission confirms that Experian has independent authority and discretion under the Fair Credit Reporting Act to update or correct erroneous information without requiring authorization from the data furnisher. 

Despite this, Experian refused to correct multiple tradelines after I submitted : IRS 1099-C forms indicating lawful cancellation of debt, IRS 1099-B filings indicating monetization of the same, Formal correction and discharge notices. 

This refusal violates : FCRA 1681i ( a ) ( 1 ) ( A ) Duty to reinvestigate based on consumer evidence, FCRA 1681i ( a ) ( 5 ) ( A ) Obligation to delete unverifiable information, FCRA 1681s-2 ( b ) Duty of furnisher correction upon notice, UCC 3-603 Tender and discharge, UCC 1-308 Reservation of rights.

II. SUMMARY OF AFFIDAVIT-LEVEL EVIDENCE PREVIOUSLY SUBMITTED This supplemental notice refers to my earlier submission titled : Affidavit of Commercial Dishonor and Administrative Demand for Credit Correction , which outlined : 9 accounts with IRS-confirmed debt cancellation, Direct evidence via 1099-C and 1099-B filings, Mailing records and formal correction demands to Experian, Specific legal citations demanding action under FCRA, UCC, and equity law.

Despite holding lawful discretion to correct without third-party input, Experian knowingly refused, thus engaging in : Bad faith processing, Systemic dishonor, and Deceptive trade practices under federal and state commercial law.

III. DEMAND Experian must now : Correct all listed tradelines to reflect Paid in Full or Settled Paid Remove any derogatory charge-off or delinquency status Retain the age and credit limit of each account for utilization accuracy Provide written acknowledgment and corrected report within 10 business days IV. NOTICE OF ESCALATION Failure to act upon this supplemental affidavit will result in immediate escalation to : The Securities and Exchange Commission ( SEC ) for securities fraud via continued monetization of canceled debt The IRS Office of Inspector General ( OIG ) for tax-related misrepresentation A filing in Level III Constitutional Equity Court for breach of fiduciary duty, fraud, and commercial trespass Executed by : XXXX XXXX for the Principal XXXX XXXX Rights Reserved, Without PrejudiceUCC 1-308 [ Date of Submission ]

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