Consumer complaint received 2025-04-01 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:
Notice of Pre-Settlement for Non-Compliance, Breach of Trust, Breach of Fiduciary Duties, and Fraud in Factum To Whom It May Concern, COMES NOW, the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, seeking fair and amicable settlement and remedy to address grievances caused by your non-compliance, breaches of trust and fiduciary duties, and fraudulent misrepresentation ( fraud in factum ) in matters related to the XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ( XXXX Account XXXX potentially negative months ) " XXXX. XXXX XXXX  XXXX XXXX ( Account charged off. {$1000.00} written off. XXXX potentially negative months ) XXXX. XXXX  XXXX/XXXX/ XXXX ( Account charged off. {$2000.00} written off XXXX negative months ) XXXX. XXXX XXXX XXXX ( Account charged off. XXXX potentially negative months ) XXXX. XXXX XXXX XXXX ( Account charged off. {$5400.00} written off. XXXX potentially negative months ) XXXX. XXXX XXXX XXXX ( Account charged off. {$1500.00} written off. XXXX potentially negative months ) XXXX. XXXX XXXX ( Account charged off. {$10000.00} written off. XXXX negative months ) XXXX. XXXX XXXX XXXX XXXX XXXX, AL XXXX BACKGROUND XXXX. Non-Compliance : EXPERIAN has failed to fulfill prior lawful requests for proper documentation, correction, or deletion of inaccuracies regarding accounts tied to the XXXX XXXX XXXX XXXX XXXX. 

XXXX. Breach of XXXX and Fiduciary Duties : By virtue of equity principles, the party acting on behalf of an estate or trust assumes fiduciary responsibilities to act in good faith, with loyalty and due diligence. Your actions, which include inaccurate reporting and unauthorized use of private information, constitute breaches of these equitable duties. 

XXXX. XXXX in XXXX : Any material misrepresentation of debts, accounts, or legal standingdone knowingly or negligentlymisleads parties to their detriment and nullifies any presumption of validity. The principles of equity prohibit such actions, as they erode the foundation of trust and fairness. 

XXXX MAXIMS SUPPORTING THIS MATTER : - Equity will not suffer a wrong without a remedy. 
- He who seeks equity must do equity. 
- XXXX regards as done that which ought to be done. 
- Where there is a fiduciary relationship, equity intervenes to prevent abuse. 




DEMAND FOR FAIR AND AMICABLE SETTLEMENT : In light of these grievances, I, as Executor-Grantee and Subrogee of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the following equitable remedies : XXXX. Immediate Review and Correction : - Correct or delete all inaccuracies and negative reports associated with the XXXX XXXX XXXX XXXX XXXX. 

XXXX. XXXX of XXXX : - Provide full documentation of all transactions, instruments, agreements, and communications tied to the disputed accounts. This includes proof of authority, rights, titles, interests, and the original financial instruments. 

XXXX. Explanation of Fiduciary Compliance : - Clarify and substantiate your fiduciary role, as trustees of information concerning the XXXX XXXX XXXX XXXX XXXX, and demonstrate compliance with XXXX and legal obligations. 

XXXX. XXXX XXXX XXXX for XXXX : - Enter into negotiations to resolve the matter amicably, avoiding escalation to formal legal proceedings. 

NOTICE OF CONSEQUENCES FOR NON-COMPLIANCE : Failure to resolve this matter within XXXX business days from receipt of this notice will constitute a continuation of the breaches described herein. This XXXX result in further equitable remedies being sought, including but not limited to legal actions for damages, injury, and dissolution of your charter for ultra vires acts, and filing claims for fraud in factum. 




CONCLUSION : XXXX demands fairness, and I offer this pre-settlement opportunity in the spirit of resolving this matter without the need for further escalation. I trust you will respond in good faith to restore the trust and integrity required in dealings involving the XXXX XXXX XXXX XXXX XXXX. 

By : Executor-Grantee, Subrogee of XXXX XXXX XXXX XXXX XXXX XXXX Sent Via : - Certified Mail : XXXX - Fax : Declaration : I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct 28 USC 1746 ( 1 ). 

This is my last and final attempt at settling this without legal proceedings. Your company keeps sending me correspondence that implies it is not really the individual ( me ) sending you these correspondences.

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