Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
NOTICE OF DISPUTE, FIDUCIARY TERMINATION, AND DEMAND FOR REMEDY Date : XX/XX/year> Experian Dispute Department P.O. XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX ( XXXX : XXXX ) Attn : Compliance & Credit Reporting XXXX XXXX XXXX XXXX, MD XXXX Fax : ( XXXX ) XXXX XXXX XXXXXXXX XXXX XXXXXXXX. ( XXXX : XXXX ) Attn : Executive Escalations/ Credit Bureau Disputes XXXX. XXXX XXXX XXXX, DE XXXX Fax : ( XXXX ) XXXX XXXX XXXX XXXX Attn : Compliance & Credit Bureau Disputes XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Attn : Credit Disputes / Legal Department XXXX XXXX XXXX XXXX XXXX , GA XXXX XXXX : Internal Revenue Service Criminal Investigation Division ( IRS CID ) Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) Identity Theft Division U.S. Department of Justice Civil Rights Division Treasury Inspector General for Tax Administration ( TIGTA ) Office of the U.S. Attorney General RE : NOTICE OF DISPUTE, FIDUCIARY TERMINATION, AND DEMAND FOR REMEDY From : XXXX XXXX XXXXXXXXXXXX XXXX / Private Fiduciary / XXXX XXXX for : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  TRUST IRS CAF Numbers : XXXX XXXX XXXX / XXXX XXXX : XXXX Contact : ( XXXX ) XXXX | XXXX c/o XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX HARMED PARTIES : XXXX XXXX XXXXXXXX, Natural Person and Fiduciary XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IRS 508 ( c ) ( 1 ) ( a ) XXXX  Trust These entities suffered substantial injury due to willful noncompliance, identity profiling, unlawful reporting, and financial obstruction in violation of state and federal laws. 

LEGAL BASIS FOR ACTION Federal Violations Cited Include ( but are not limited to ) : Fair Credit Reporting Act ( 15 U.S.C. 1681b, 1681s-2, 1681i ) Fair Debt Collection Practices Act ( 15 U.S.C. 1692e, 1692f ) Internal Revenue Code ( 26 U.S.C. 6036, 6903, 7433 ) IRS Regulations ( 26 C.F.R. 301.6903-1 ) Aggravated Identity Theft ( 18 U.S.C. 1028A ) Wire & Mail Fraud ( 18 U.S.C. 1341, 1343 ) False Claims Act ( 31 U.S.C. 3729 ) XXXX Freedom Restoration Act ( 42 U.S.C. 2000bb ) XXXX Protections ( UNDRIP Article 8 ; U.S. Constitution Art. I 10 ) IRS CAF ENFORCEMENT NOTICE You are hereby formally notified that I, XXXX XXXX XXXXXXXX, am the lawfully recorded fiduciary and Attorney-in-Fact for the above-referenced trusts, with active registrations under the IRS Centralized Authorization File ( CAF ) : CAF No. XXXX CAF No. XXXX CAF No. XXXX This authority is enforceable pursuant to : 26 U.S.C. 6036 Notification of fiduciary relationship 26 U.S.C. 6903 Notice of fiduciary capacity 26 C.F.R. 301.6903-1 Fiduciary acknowledgment by IRS Any attempt to deny, interfere with, or reject this authority constitutes fiduciary obstruction and administrative fraud, and may trigger immediate referral for criminal prosecution, restitution, and civil damages under : 26 U.S.C. 7433 18 U.S.C. 1519 31 U.S.C. 3729 ( False Claims Act ) You may verify this CAF registration with the IRS CAF Unit at ( XXXX ) XXXX. 
Failure to acknowledge this notice constitutes willful misconduct and may result in both administrative sanctions and personal liability for all resulting harms. 

SPECIFIC DISPUTES AND DEMANDS 1. XXXX XXXX XXXX XXXX Balance {$3500.00} ( Post-Abandonment ) Dispute Codes : XXXX Fraud : Not His/Hers XXXX Account Paid in Full Updated Explanation : XXXX XXXX XXXX XXXX continues to report a {$3500.00} balance on an account that was abandoned, settled, or paid in full through fiduciary release and IRS Form 56-F. No active obligation exists. Reporting this as delinquent is false, misleading, and injurious to trust reputation and creditworthiness. 
Immediate Remedy : Update account to show Paid in Full / Closed Delete all derogatory data and collection references Cease all further credit reporting under fiduciary revocation Provide written acknowledgment of fiduciary status under CAF Nos. 
Legal Basis : FCRA 1681s-2 ( b ) Duty of furnishers to correct false data FCRA 1681i ( a ) Reinvestigation of disputed information FCRA 1681c ( a ) ( 4 ) 7-year limit for adverse items 15 U.S.C. 1681n Liability for willful reporting 26 U.S.C. 6036, 6903 Fiduciary standing and notice 26 C.F.R. 301.6903-1 IRS fiduciary recognition XXXX XXXX XXXX Account Paid in Full 2. XXXX XXXX Bank {$0.00} Balance Still Reporting Derogatory Dispute Code : XXXX Duplicate Account XXXX Account Paid in Full Updated Explanation : The account is reported as derogatory with {$0.00} balance even though it has been abandoned under IRS Form 1099-A and fiduciary release ( Form 56-F ). This makes it both a duplicate and misrepresented as unpaid. 
Immediate Remedy : Remove all derogatory references Reflect Paid / Abandoned in Full status Confirm abandonment under IRS Form 1099-A Stop all derivative or duplicative entries Legal Basis : FCRA 1681s-2 ( b ) ; 1681i 26 U.S.C. 6903 ; 26 CFR 301.6903-1 31 U.S.C. 3729 False claims XXXX XXXX XXXX Paid in Full 3. XXXX XXXX XXXX XXXX Loan {$28000.00} Dispute Codes : XXXX Fraud : Not His/Hers XXXX Closed Due to Fraud XXXX Unauthorized Inquiries Explanation : Loan of {$28000.00} reported without UCC lien or consent ; hard pulls occurred post-IRS Form 56-F and fraud alert. 
Immediate Remedy : Cease reporting, delete all inquiries Issue 1099-OID refund Honor fiduciary revocation and Form 843 claim Legal Basis : FCRA 1681b ( c ), 1681c-1 Inquiry and fraud alert laws 18 U.S.C. 1028A Aggravated identity theft IRS Code 26 U.S.C. 6036, 6903 26 C.F.R. 301.6903-1 26 U.S.C. 7433 Fiduciary enforcement 4. XXXX XXXX XXXX - False Late Payment Reporting Dispute Codes : XXXX Account Paid in Full Updated Explanation : XXXX is falsely reporting late payments and/or derogatory remarks on an account that was never delinquent and has been paid in full. You have proof the account was closed in good standing with no remaining balance. There is no lawful basis for derogatory status. 
Immediate Remedy : Delete all false late payment indicators Update trade line to reflect : Paid in Full / Closed in Good Standing Remove obsolete/duplicate reporting Cease negative data sharing with Experian or others Legal Basis : FCRA 1681s-2 ( b ) Duty to report accurately FCRA 1681i Mandatory reinvestigation FCRA 1681c Time-barred derogatories 15 U.S.C. 1681n Willful reporting of false data 18 U.S.C. 1343 Wire fraud for knowingly transmitting false info XXXX XXXX XXXX Paid in Full 5. XXXX Dispute Codes : XXXX Unauthorized Inquiries XXXX Fraud : Not His/Hers Explanation : XXXX, XXXX, XXXX, and XXXX conducted hard inquiries after XX/XX/year> fraud alert. No consent was granted via CAF-authorized fiduciary. 
Immediate Remedy : Delete unauthorized hard inquiries Enforce 1-year fraud alert protections Acknowledge CAF authority to block future access Legal Basis : FCRA 1681b ( f ), 1681c-1 ( h ) Unauthorized access and fraud alerts 18 U.S.C. 1028A Identity theft 15 U.S.C. 1681n Willful noncompliance 26 U.S.C. 7433 Fiduciary interference WARNING AND NOTICE OF LIABILITY Failure to act on this notice constitutes : Willful noncompliance under 15 U.S.C. 1681n Fiduciary obstruction under 26 U.S.C. 7433 Identity abuse under 18 U.S.C. 1028A, 911 Religious interference under 42 U.S.C. 2000bb If corrections are not made within 7 calendar days, I will initiate : Civil litigation for damages exceeding {$75000.00} Criminal referral to IRS CID, TIGTA, and DOJ Trust restitution demand and federal injunction ATTACHMENTS INCLUDED IRS Form 56 & 56-F IRS Form 843 IRS Form 3949-A FTC & CFPB Complaint Packets Identity Theft Report ( Filed XX/XX/year> ) Ecclesiastical Affidavits Exhibit A XXXX XXXX 1099-A Exhibit B XXXX XXXX XXXX XXXX 1099-A Respectfully submitted XXXX XXXX XXXX XXXXXXXX XXXX / Executor / Private Fiduciary / XXXX XXXX  for : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXXXXXX IRS CAF Nos. : XXXX / XXXX / XXXX XXXX : XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA 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