Consumer complaint received 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX - XXXX Account Unlawfully closed. 

( 1 ) I am competent for stating the matters set forth herewith ; ( 2 ) I have personal knowledge about the facts stated herein ; ( 3 ) Everything stated in this TRUTH AFFIRMATION is the Truth, the Whole Truth, and nothing but the Truth and all stated is true, correct, complete, and not misleading. NO THIRD PARTIES ALLOWED. 
PLAIN STATEMENT ABOUT THE FACTS : ( a ) For Resolving a Matter it must be expressed ( b ) In Commerce Truth is Sovereign ; ( c ) Truth is expressed in the Form of an Affirmation ; ( d ) An Unrebutted Affirmation stands as Truth in Commerce ; ( e ) An Unrebutted Affirmation becomes the judgment in Commerce ; ( f ) A Truth Affirmation, under Commercial Law, can only be satisfied by a Rebuttal about the Truth Affirmation, by payment, by agreement, by resolution by a grand jury according by the rules for Common Law. 

My request dated XXXX XXXX, for XXXX XXXX to confirm the balance owing on the above referenced matter. We requested for you to confirm that you would accept full payment of the alleged obligation from me in consideration of your delivery to me of the original instrument of indebtedness in its original form. ( Debtor did not comply with request ) XX/XX/XXXX - USPS - sent This is your verification that there is in fact NO contract between XXXX XXXX XXXX  XXXX and XXXX There was a promise to pay the debt you say is owed in exchange for the ORIGINAL INSTRUMENT of INDEBTEDNESS. Instead you sent a debt validation letter This means you have defaulted on the original offer to pay this debt in full, as you have not provided the ORIGINAL debt instrument validating any financial obligation to XXXX XXXX XXXX, XXXX That makes this account financially and legally settled. 
As a result of these facts, the claimed debt must no longer be reported to my credit report as XXXX XXXX XXXX, XXXX. and XXXX XXXX XXXX has proven to not be operating correctly in commerce. This correspondence has also been reported to the federal trade commission. I look forward to the removal of all third-party debts, non-bonded and obligated creditors IF REPORTING DOES NOT CEASE, I WILL HAVE NO CHOICE BUT TO FILE A LAWSUIT AGAINST YOUR COMPANY. 
Be advised that validation in defined ( XXXX XXXX XXXX, XXXX XXXX ) is as follows : Confirmation of correctness, truth, or authenticity, by affidavit, oath or disposition, affidavit of truth of matter stated and object of verification to assure good faith in averments or statements of party. 
Debt collector is further Noticed that this is not a request by Affiant for a photocopy of any invoice, statement, bill, summary, agreement and the like and that any future communication received by Affiant from Debt Collector, in written as well as any other form, absent the above-cited requisite Validation of debt, irrespective of the inclusion of any photocopy of any related involve, statement, bill summary, agreement, and the like, constitutes Debt Collectors tacit admission, confession and agreement that Debt Collector has no lawful, bona fide, verifiable claim, re the alleged account, as per the Fair Credit Reporting Act and the Fair Debt Collection Practices, and Uniform Commercial Code ( UCC ). 
This lawful request is made in accord with the aforementioned authorities and shall further serve as a request for records as set-forth in the Administrative Procedure Act [ USC 5 551 ]. In addition to other applicable provisions under this Act, you are advised of the obligation to notify me within ten ( 10 ) days ( excepting Saturdays, Sundays, and legal public holidays ) after the receipt of my request to inform me of any refusal or unwillingness to comply or provide records. Under the penalties of perjury, I declare that I examined the facts stated, including any accompanying documents, and, to the best of my knowledge and belief, they are true, correct, and complete. 
XXXX - XXXX I contacted the Indentured Trustee - to enforce by Registered Mail - 3rd and Final with a Billing Right Notice : This will serve as my FINAL written billing dispute regarding unlawful closing of accounts. This dispute is for ALL past, current and present bills under this contract certificate of indebtedness to credit concerning accounts. Your company did not credit my accounts with the 1099 A Third Party 1099 C through our statement sent every year. Your company did not credit my account from the dividends that were created from My Treasury Coupons Via the electronic transfers acts, certificates of indebtedness : XXXX XXXX XXXX Truth and Lending. 

Everything is Securities There is No statute of limitations on the FRAUD according to Trade Regulation Rules Part XXXX, which protects consumers ' claims and defenses. It includes terms such as person, consumer, creditor, purchase money loan, financing a sale, and more. 16 CFR 433-1 This will serve as our instruction letter to please do a remittance transfer to our 1099 C so I can properly do my tax returns for XXXX, XXXX, XXXX, XXXX Please send -MAIL my cancellation of debt 1099-C Form copy B for the debtors. Per the electronic funds transfer account. Please return all my floating rate notes, tender received to date with a full accounting.

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