Consumer complaint received 2025-12-08 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: PA

Complaint narrative:
FORMAL NOTICE TO TRUSTEE This Notice is directed specifically to the XXXX XXXX XXXXXX/XX/XXXX as Trustee is the fiduciary officer responsible for the management, accounting, and administration of all financial instruments, credits, debits, and ledger entries associated with the account ( s ) maintained in the XXXX XXXX XXXX or any derivative thereof. 

As Secured Party and Beneficiary of the associated estate, I am issuing this Notice as the real party in interest.

-- - II. BILLING ERROR 15 U.S.C. 1666 Pursuant to 15 U.S.C. 1666 ( a ), this formal Billing Error Notice concerns the following errors : 1. Failure to properly credit all pay
ments, deposits, interest accruals, and dividend credits owed to the Beneficiary ; 2. Failure to provide full accounting of all internal ledger transactions, including Certificates of Indebtedness or equivalent internal financial instruments ; 3. Failure to refund or offset all interest, penalties, or charges derived from erroneous postings ; 4. Failure to lawfully verify the alleged indebtedness with competent evidence ; 5. Fail
ure to fulfill fiduciary duties owed by the Trustee in maintaining accurate records. These constitute statutory billing errors under 15 U.S.C. 1666 ( a ) ( 1 ) ( 4 ). -- - III. DEMAND FOR TRUSTEE ACCOUNTIN
G & INVESTIGATION As Trustee, you are required to : 1. Conduct a reasonable investigation within 30 days, 2. Provide Beneficiary with a complete ledger accounting, including : All debits All credits All deposits All interest/dividend accruals All internal credit instruments ( including any Certificate of Indebtedness ) Any offsets 3. Provide lawful verification of the claimed balance ; 4. Provide proof of authority establishin
g the Trustees right to collect or report any alleged indebtedness ; 5. Cease collection and negative reporting on any disputed amount until resolution.

-- - IV. DEMAND FOR REFUND & CORRECTION The Trustee is hereby required to : 1. Correct all billing errors ; 2. Refund all interest, fees, wrongful charges, or penalties ; 3. Apply all credits, dividends, and deposit-derived offsets that properly belong to the Beneficiary ; 4. Remove all inaccurate negative reporting resulting from improper Trustee actions ; 5. Restore the account to a XXXX and correct standing unless the Trustee proves a lawful claim. 




-- - V. TRUSTEE DUTY & LIABILITY NOTICE Failure by the Trustee to perform these duties constitutes : Breach of Trust Breach of Fiduciary Duty Violation of 15 U.S.C. 1666 et seq. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX VI. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT * * This Notice binds the Trustee, all officers, agents, servicers, and third parties acting for or through XXXXXX/XX/XXXX 


-- - VII. RESERVATION OF RIGHTS All rights reserved without prejudice.

UCC 1-308 / UCC 1-103.6 .

VIII. DECLARATION 28 U.S.C. 1746 I declare under penalty of perjury under the laws of the United States of America that the foregoing is true, correct, and complete to the best of my knowledge and belief.

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