Consumer complaint received 2024-12-04 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: CO

Complaint narrative:
Dear CFPB Representative, The attached document outlines XXXX XXXX XXXX 's formal dispute under the Fair Credit Reporting Act ( FCRA ). This submission builds upon existing legal protections and incorporates new understandings gained through planning and a detailed review of financial management principles. Below is an enhanced summary and explanation of the key points : 1. Legal Framework Supporting the Dispute This dispute is firmly grounded in several laws and codes to ensure fair and accurate credit reporting, contract transparency, and dispute resolution : - Fair Credit Reporting Act ( FCRA ) : - 15 U.S.C. 1681e ( b ) : Accuracy in credit reporting ; consumer reporting agencies must ensure the maximum possible accuracy of information.

- 15 U.S.C. 1681i ( a ) : Obligations to reinvestigate disputes regarding the completeness or accuracy of information.

- 15 U.S.C. 1681s-2 ( a ) : Responsibilities of furnishers to provide accurate information. 
- 15 U.S.C. 1681c-1 ( b ) ( 1 ) : Prohibition of inaccurate reporting of disputed information pending investigation.

- Uniform Commercial Code ( UCC ) : - UCC 9-201 : General validity of secured transactions.

- UCC 9-210 : Rights of debtors to request an accounting and statement of obligations. 
- UCC 1-201 : Definitions and general provisions for the enforcement of good faith and fair dealing in contracts.

- Truth in Lending Act ( TILA ) : - 15 U.S.C. 1601 et seq. : Ensures transparency and informed consent in lending practices, requiring disclosures about terms and costs. 

- Federal Trade Commission Act ( FTC Act ) : - Prohibits deceptive and unfair practices in commerce ( 15 U.S.C. 45 ). 

- Religious Freedom Restoration Act ( RFRA ) : - Acknowledges XXXX XXXX 's religious practices and their influence on the valuation and management of his financial obligations. 

-- - XXXX. Core Dispute Issues and Resolutions Sought XXXX. Validation of Contracts : - XXXX XXXX challenges the unsecured nature of his credit card contracts, stating that they lack mutual consideration and transparency at the time of agreement. He requests validation or voiding of these contracts under UCC 9-210.

2. Inaccurate Credit Reporting : - Several accounts report late payments and derogatory marks. These, XXXX XXXX asserts, are misleading and contrary to his actual financial performance. Under FCRA 1681i ( a ), he requests an investigation and correction. 

XXXX. Security Interests : - XXXX XXXX invokes his security interests in accounts to settle outstanding balances, requesting that creditors adjust balances to zero and update his credit file accordingly. 

4. Bankruptcy Dismissal : - The dismissal of a XXXX  XXXX bankruptcy is requested to be removed under FCRA XXXX ( a ) ( XXXX ), as it was filed in error and causes undue harm. 

-- - XXXX. New Understandings Gained from Financial Planning The dispute reflects XXXX XXXX 's enhanced competence in financial planning and management, specifically through the trust framework : - XXXX Trust Management : - Under the XXXX Trust, financial responsibilities for XXXX XXXX accounts have been XXXX. This legal arrangement prohibits negative credit reporting per the trust 's stipulations, ensuring only positive or neutral information can be reported. 

- Good Faith Financial Stewardship : - The trust is guided by principles of fairness, equity, and mutual benefit, as outlined in XXXX XXXX XXXX : Financial Stewardship. 

- XXXX XXXX : - XXXX XXXX employs XXXX valuation for obligations, leveraging religious and practical financial principles to justify the security interests applied to accounts. 

-- - XXXX. Request for CFPB XXXX XXXX XXXX seeks CFPB enforcement of the following remedies : XXXX. XXXX removal of negative entries, including : - Late payments. 
- Dismissed bankruptcy records. 
- Incorrect derogatory indicators. 

XXXX. Validation of all listed contracts for : - Transparency in terms of consideration. 
- XXXX application of security interests to resolve balances. 

XXXX. Full compliance with : - FCRA requirements for investigation and accuracy. 
- XXXX codes protecting his rights as a debtor. 

XXXX. Recognition of the XXXX XXXX 's provisions : - Enforcement of trust policies prohibiting negative reporting. 

-- - Contact for Clarifications Should you require additional information, please contact the Trustee of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Thank you for your attention to this matter and for upholding the principles of fairness and accountability in consumer financial protection. 

Sincerely, XXXX 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