Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
UNIVERSAL COMMERCIAL ENFORCEMENT & IDENTITY DISPUTE PACKAGE Principal : XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX : De XXXX XXXX XXXX XXXX | XXXX : XXXX XXXX File No : XXXX | Copyright No : XXXX Date : XX/XX/2025 All Rights Reserved Without Prejudice XXXX XXXX SUMMARY OF DEMAND To all listed agencies, creditors, debt buyers, and reporting bureaus : You are hereby placed on formal notice that the individual and/or trust known as XXXX XXXX XXXX is under the full protection of XXXX XXXX Statement File No. 
XXXX. All commercial interests in the name XXXX XXXX and its derivatives are lawfully protected under copyright ( No. XXXX ). 
All accounts below are being reported, collected, or claimed without lawful authority, or the consent of the secured party. You have XXXX hours to cure this violation by removing the accounts and ceasing all collection or reporting activity. 
ACCOUNTS - - - - XXXX XXXX XXXX Original Creditor : XXXX XXXX Balance : {$1000.00} Account : XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - XXXX XXXX XXXX Original Creditor : XXXX Balance : {$300.00} Account : XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX 
Original Creditor : XXXX XXXX XXXX XXXX XXXX {$390.00} Account : XXXX Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX Original Creditor : XXXX XXXX  Balance : {$6400.00} Account : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX Original Creditor : Cell Phone Balance : {$600.00} Account : XXXX Address : XXXX XXXX XXXX, XXXX, TX XXXX XXXX OF NON-CONSENT AND FRAUDULENT CLAIM I, XXXX : XXXX, do not consent to any of the above accounts. I have never knowingly entered into a lawful, bilateral, and fully disclosed contract with any of the above parties for the alleged debts. These accounts were opened and monetized without disclosure, and any claim to collect or report these accounts is fraudulent. 
All Power of Attorney related to the commercial entity known as XXXX XXXX XXXX has been revoked. You are acting without legal standing or jurisdiction. These accounts must be removed from all records and collection efforts immediately. 
XXXX XXXX AND CLAIM OF STANDING This dispute and enforcement demand is supported by : XXXX XXXX Reservation of Rights XXXX XXXX XXXX XXXX Secured Interest and Authority 15 USC 1681 Fair Credit Reporting Act ( FCRA ) 15 USC 1692 Fair Debt Collection Practices Act ( FDCPA ) - - - Copyright Act Title 17, USC Filed XXXX Financing Statement ( XXXX ) XXXX No. XXXX protecting the name XXXX XXXX ENFORCEMENT AND NOTICE TO CURE You are hereby instructed to immediately : 1. Cease and desist any reporting or collection activity.

2. Remove all accounts listed above from Experian and all systems.

3. Correct any third-party data forwarding or debt transfer.

4. Acknowledge this notice privately. No response is required. Just cure.

Failure to cure within 24 hours will result in the following : - - - Federal complaints to the CFPB, FTC, IRS, and State AG Commercial lien and damages claim for identity theft, breach of trust, and financial harm Public and private enforcement by the De XXXX XXXX XXXX XXXX RESERVATION OF RIGHTS All rights reserved without prejudice under XXXX XXXX. 
Authorized by : XXXX : XXXX Secured party creditor/ Beneficiary in

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