Consumer complaint received 2025-06-22 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: GA

Complaint narrative:
This is a formal complaint against the following financial institutions : XXXX XXXX XXXX ( XXXX XXXX XXXX  of XXXX, Account No. XXXX ) XXXX XXXX XXXX XXXX ( Account No. XXXXXXXX XXXX XXXX ) * * XXXX XXXX XXXX XXXX XXXX XXXX ( Account XXXX. XXXX * * ) * * These institutions have unlawfully securitized my personal receivableswithout notice or consentand continue to report, collect, and litigate these accounts despite relinquishing ownership through trust structures, as evidenced in their XXXX prospectuses. 

Institutional Admissions : XXXX XXXX XXXX : The transferor will transfer all right, title and interest in the receivables to the issuing trust. 

XXXX XXXX remains the servicer after transfer but is no longer the owner of the receivables. 

XXXX XXXX  : The receivables will be sold by XXXX XXXX XXXX XXXX ( XXXX  ) to the depositor, and by the depositor to the issuing entity. 

The issuing entity will issue notes backed by the receivables. 

You are not purchasing an interest in the receivables or the related leases or vehicles. 

XXXX XXXX : Receivables arising under the accounts will be transferred by the sponsor into a master trust. 

The issuing entity will issue and sell asset-backed notes and certificates supported by such receivables. 

Investors will have no recourse to the originator after the transfer of receivables to the trust. 

These admissions confirm that all three institutions forfeited legal claim to my accounts. Yet, they continue to report negatively to the credit bureaus, demand payments, and pursue legal judgments without legal standing or consumer disclosure.

Violations : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2, 1681i, 1681e ( b ) Truth in Lending Act ( TILA ) 15 U.S.C. 1601 et seq.

Gramm-Leach-Bliley Act ( GLBA ) 15 U.S.C. 68016809 Uniform Commercial Code ( UCC ) : 3-301 lack of standing after transfer 9-210 / 9-404 failure to disclose assignment and right to assert defenses Securities Act 17 ( a ) / SEC Rule 10b-5 material omission in securitization structures 5th & 14th Amendments due process and property deprivation Constructive Fraud & Unjust Enrichment Summary of Harm : These financial institutions continue to misrepresent ownership and utilize predatory legal and reporting tactics after profiting from the securitization of my personal financial obligations. This has resulted in credit damage, coercive collections, and legal violations. 

Requested Relief : Immediate investigation into the consumer reporting and securitization practices of these institutions Restitution of all payments made post-securitization Discharge of all outstanding balances related to securitized accounts Deletion of all derogatory credit entries Criminal and civil penalties where applicable I request the CFPB act swiftly to uphold the rights of consumers subjected to deceptive securitization and creditor impersonation.

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