Consumer complaint received 2025-02-16 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: AL

Complaint narrative:
Second Notice : Notice of Non-Compliance ( XXXX XXXX ) Executor Office of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Alabama XXXX XXXX : Experian Information Solutions , Inc . 
Attn : Legal Department XXXX XXXX XXXX XXXX XXXX, CA XXXX CC : CORPORATION SYSTEM REPRESENTING EXPERIAN LEGAL XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AL XXXX Date : XXXX Affidavit under Administrative Procedure ( XXXX XXXX XXXX XXXX Private Judicial Notice and High Prerogative Writ of XXXX XXXXXXXX Dear [ Experian/Representative ], I, XXXX XXXX, XXXX, Executor-Grantee of the Precedent Vested Landed Estate XXXX XXXX, hereby submit this affidavit under Administrative Procedure ( XXXX XXXX XXXX ) and issue this Private Judicial Notice and High Prerogative Writ of XXXX XXXX concerning your administration of the accounts listed below : XXXX. XXXX XXXX ( XXXX Account XXXX potentially negative months ) XXXX. XXXX BANK XXXX XXXX ( Past due XXXX days, Past due XXXX days, Past due XXXX days, Past due XXXX  days, Past due XXXX days, Past due XXXX days ) XXXX. BEST BUY/CBNA/ XXXX ( Past due XXXX days XXXX Past due XXXX0 days XXXX, Past due XXXX days, Past due XXXX days, Past due XXXX  days, Past due XXXX days ) XXXX. XXXX XXXX XXXX ( Past due XXXX days, Past due XXXX days, Past due XXXX days, Past due XXXX days, Past due XXXX  days ) XXXX. XXXX XXXX XXXX ( Past due XXXX days, Past due XXXX days, Past due XXXX days, Past due XXXX days, Past due XXXX  days, Past due XXXX days ) XXXX. XXXX XXXX XXXX ( Past due XXXXXXXX  days XXXX Past due XXXX days, Past due XXXX days, Past due XXXX days, Past due XXXX days, Past due XXXX days ) XXXX. XXXX XXXX ( Past due XXXX  days XXXX Past due XXXX days, Past due XXXX days, Past due XXXX  days, Past due XXXX days ) Dollar amount of violations : {$45000.00} and counting. 

Notice of Proof and Misrepresentation : XXXX. Material Facts and Authority : - You are hereby notified that your actions and representations concerning the referenced accounts constitute misrepresentation of material facts, including but not limited to the accounting, charter, proof of authority, and legal amount of debt. 

XXXX. Ultra Vires Acts : - Your conduct represents ultra vires acts, as you are usurping powers that are not within your charter or bond and are not authorized by law. 
- Any false representation of material facts made with knowledge of falsity and intent to induce reliance constitutes fraud in factum, allowing the aggrieved party to void contracts or seek damages, as established in XXXX XXXX XXXX. v. XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX. 

XXXX. Breach of Charter and Fiduciary Duty : - XXXX XXXX XXXX stated, the doctrine of ultra vires is a most powerful weapon to keep private corporations within their legitimate spheres and to punish them for violations of their corporate charters, and it probably is not invoked too often. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank, XXXX XXXX XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX Bank, XXXX XXXX XXXX ). 

Formal Request for Proof of Authority and Documentation : WHEREAS all government entities and alleged private corporations must be creatures of the American Constitution, I formally Request and Command you to produce the following within XXXX ( XXXX ) business days : XXXX. Legislative Act or Authority that establishes your legal capacity to : - Enforce an instrument you are not in possession of. 
- Enforce an instrument that was destroyed by way of securitization, a voluntary act discharging all debts. 

XXXX. Proof of Authority to legislate or act upon the Precedent Vested Landed Estate XXXX XXXX. 

XXXX. Full Disclosure and Documentation regarding the referenced accounts, including but not limited to : - Accounting information and financial instruments. 
- Identification of all parties involved in any investigations or decisions. 
- Any documentation supporting the accuracy of the reported debt or adverse credit actions. 

Demand for Deletion and Restoration I demand that you immediately : XXXX. Delete or correct the listed accounts. 
XXXX. Restore the credit score of the Precedent Vested Landed Estate XXXX XXXX to XXXX. 

Failure to comply with this notice within the stated timeframe will result in equitable, or legal action being brought against you for breach of fiduciary duty, misrepresentation, and fraud. 

This affidavit and notice are made under XXXX XXXX XXXX ( XXXX ), declaring under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. 


Sincerely, By : XXXX XXXX XXXX, Executor-Grantee XXXX XXXX XXXX XXXX XXXX XXXX XXXX Alabama XXXX Sent XXXX XXXX - Certified Mail : 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