Consumer complaint received 2025-01-06 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX Subject : Formal Demand for Investigation, Correction, Remedy, Maintenance of Maximum Credit Score ( XXXX ), and Acknowledgment of Breach of Fiduciary Duty To Whom It May Concern, I, XXXX XXXX XXXX a U.S. National , rightful creditor, and trustee of my private estate, issue this formal notice concerning your agencys unauthorized, inaccurate, and harmful reporting of alleged debts on my credit profile. Your actions not only violate federal statutes but also constitute a breach of your fiduciary duty to protect my estate and ensure the accurate representation of my financial standing. 

Your negligence in reporting and safeguarding my estate has caused significant harm, including unnecessary impairment of my credit profile and estate management. This notice demands immediate action to rectify these issues and hold your agency accountable for its violations and fiduciary failures. 

Violation of Fiduciary Duty As a credit reporting agency entrusted with sensitive financial information, you owe a fiduciary duty to the estates you report on to ensure accuracy, integrity, and protection from harm. 

Negligence in Reporting : The inclusion of unverified, inaccurate, or unauthorized accounts breaches your fiduciary responsibility to uphold truthful and fair reporting under 15 U.S.C. 1681e ( b ).

Failure to Protect the Estate : By reporting unverifiable debts and mismanaging private information, you have failed to act in good faith to protect my estate from financial harm.

Conflict of Interest : Your monetization of unverifiable debts constitutes a clear conflict of interest, where your profits come at the expense of the estate you are obligated to protect. 
I hold your agency accountable for these breaches and demand immediate corrective actions to restore the integrity of my estate and credit profile. 

Breach of Reporting Standards and Legal Violations Your reporting practices violate multiple federal statutes, including but not limited to : Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681e ( b ) : Obligation to ensure maximum possible accuracy in reporting.

15 U.S.C. 1681g : Duty to provide full disclosure of the sources and verification methods for reported debts.

Debt Trafficking and Unjust Enrichment : Your agency engages in debt trafficking by monetizing unverifiable debts, profiting unlawfully while undermining the financial integrity of the estate. 
Tax Evasion and Money Laundering : Under 26 U.S.C. 6050W, all transactions exceeding {$600.00} must be reported to the IRS. Your failure to comply constitutes financial misconduct and a breach of fiduciary and statutory obligations. 
Demand for Immediate Correction and Maximum Credit Score I demand the immediate rectification of all inaccuracies on my credit profile, as well as the maintenance of my credit score at the maximum level of XXXX at all times. 
Demands for Remedy To align with both spiritual and legal principles, I demand the following : Immediate Correction of All Inaccuracies and other inaccuracies must be removed immediately. 

Remove all unverified and unauthorized accounts from my credit profile. 
Provision of a True Bill : Provide the original contract, itemized ledger, and any proof of alleged debts.

Respect for My Religious Beliefs : Cease all actions that violate my religious principles, including debt trafficking, unauthorized reporting, and failure to operate with truth and integrity.

Acknowledgment of My Role as Creditor : Recognize that, as the source of credit, I am the true lender under 26 U.S.C. 83. 
Compensation for Damages : Pay {$10000.00} in damages for the harm caused to my spiritual well-being, financial standing, and estate. 

Maintenance of Credit Score : Any deviation below a XXXX score is a breach of federal reporting standards and fiduciary duty. 
Failure to comply with these demands will result in immediate legal, administrative, and spiritual remedies, including claims for damages and statutory penalties under 15 U.S.C. 1681n, 1681o, and 1681s.

Breach of Privacy and Unauthorized Reporting Under 15 U.S.C. 1681q and 15 U.S.C. 6801, your agency has no lawful authority to report my private information without just compensation or explicit authorization. 

Unauthorized Use : Provide evidence of authorization or cease all reporting of my private information. 
Fee Schedule : Be advised that my fee schedule is on file, and any unauthorized reporting constitutes a billable offense. 
Violation of Religious Beliefs and Biblical Principles Your actions also violate my religious beliefs, protected under the First Amendment and Title VII of the Civil Rights Act of 1964 : Dominion and Stewardship : XXXX XXXX grants mankind dominion over all the earth. Your unauthorized reporting undermines this XXXX-given authority. 
False Weights and Measures : As stated in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Your failure to ensure truthful reporting is spiritually and legally unacceptable. 
Debt Bondage as Oppression : XXXX XXXX calls for freedom from debt. Your reporting perpetuates false indebtedness and spiritual oppression. 
Definitions for Legal Clarity Pay : Defined as performance or satisfaction, not limited to monetary exchange. 
Debt Trafficking : The unauthorized reporting, selling, or securitizing of alleged debts without verification or just compensation. 
Fiduciary Duty : The obligation to act in good faith, with care, loyalty, and integrity, in managing the financial interests of an estate. 
Final Notice and Consequences of Noncompliance Failure to comply with this notice within 30 days will result in the following actions : Filing of administrative complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ). 
Civil litigation for damages, including breaches of fiduciary duty and statutory violations. 
Pursuit of statutory penalties under 15 U.S.C. 1681n, 1681o, and 1681q. 
Sincerely, XXXX XXXX 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