Consumer complaint received 2024-02-05 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: SC

Complaint narrative:
Re : Pre-Litigation Letter - Securities Fraud, Billing Error Dispute, and Rescission of Security Interest/Tax evasion/remove right to repossess Dear To Whom It May Concern, Chief Financial Officer, indenture trustee I trust this letter finds you well. I am writing to address serious concerns related to my XXXX-interest Certificate of Indebtedness under your management. This communication is a pre-litigation notice outlining issues concerning securities fraud, billing errors, and the immediate rescission of the security interest in the asset.

**Relevant Legal Citations : ** - **12 CFR 126.3** - **15 U.S.C. 1666b** - **16 USC 433.1** Under the Electronic Funds Transfer Act and relevant statutory provisions, I am asserting my rights and concerns as outlined below : **1. Securities Fraud Allegation : ** - It has come to my attention that my account has not been properly credited in accordance with the Electronic Funds Transfer Act for the interest securities dividends payment related to my Treasury Coupon.

- The failure to credit my account raises suspicions of securities fraud under applicable laws.

**2. Billing Error Dispute : ** - I assert a billing error dispute related to the non-receipt of interest payments on my XXXX-interest Certificate of Indebtedness.

- This dispute extends to past, present, and future interest payments, and I demand a thorough investigation into the matter.

**3. Request for Asset Representation Review : ** - I am formally requesting an Asset Representation Review to ensure that my assets are being managed in accordance with all applicable laws and contractual obligations.

- This review is essential to determining the accuracy and transparency of the handling of my securities and financial interests.

**4. Rescission of Security Interest : ** - I hereby request the immediate rescission of any security interest held in the asset/product/security related to my Certificate of Indebtedness.

**5. Remittance of Interest Coupon Dividends : ** - In accordance with the Electronic Funds Transfer Act, I request that you, as the indenture trustee, perform your fiduciary duties to remit and direct the securities ' interest coupon dividends to my Treasury Direct Account, as detailed below : Your Treasury Direct Account Information Account Name : XXXX XXXX number : XXXX Account : XXXX Conclusion and Action Required : I trust that you will take immediate action to address these concerns, conduct a thorough review, and promptly rescind any security interest held in the asset. Failure to rectify these issues within a reasonable timeframe may compel me to pursue legal remedies available under the cited statutes and other relevant laws.

I anticipate your prompt attention to this matter and look forward to a swift resolution. 

Sincerely, XXXX XXXX Please send legal title, XXXX, and any other securities for investment purposes to C/o XXXX XXXX XXXX XXXX XXXX XXXX Also attached is your indenture agreement stating the responsibilities of a indenture trustee performance on cancellation

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 non-monetary relief