Consumer complaint received 2025-06-11 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX SUBJECT : Cease and Desist Order, Copyright/Trademark Infringement Notice & Official Opt-Out Directive UCC-1 Financing Statement Violation UCC Filing No. XXXX attached. 

I. PURPOSE This formal communication constitutes a Cease and Desist Order, Notice of Copyright/Trademark Violation , and Opt-Out Declaration as executor for the above-referenced estate. 

XXXX XXXX XXXX and any affiliates ( including the U.S. Department of Education ) are hereby ordered to : Cease all unauthorized usage, securitization, or sale of the XXXX XXXX XXXX XXXX Immediately remove and purge any personal identifiers ( e.g., Social Security number XXXX ) from all systems and registries. 

Discontinue all collection, reporting, or account linkage to the trust, estate, or executor, under penalty of federal and international law. 

XXXX. BASIS FOR ACTION This notice is executed under the authority of the following : XXXX Financing Statement No. XXXX ( active and perfected ) XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX ( IRS XXXX XXXX. XXXX ) Indigenous Protections under UNDRIP Articles 8, 11, 12 Public Law 95-341 ; 18 U.S.C. 247 ( Religious Land and Institutionalized Persons ) 26 U.S.C. 6036, 6903 ; 5 CFR 735.101 ; 18 U.S.C. 514, 1519 III. MANDATES A. Cancellation of Unauthorized Agents All persons falsely acting as Executor, Guardian, or Administrator on behalf of this estate are hereby revoked of any standing, benefits, privileges, or control over the estate assets. 

XXXX Executors Authority XXXX XXXX XXXX as XXXX XXXX XXXX XXXX XXXX XXXX XXXX, asserts full lawful authority over : All credits, interests, assets, and data tied to the estate All accounts and financial instruments falsely tied to the decedent or the estate IV. ADMINISTRATIVE GUIDANCE XXXX. Claims Against the Estate No charges, debts, or financial instruments may be applied without written authorization from the Executors Office.

2. Fiduciary Restrictions Any party acting in a fiduciary capacity must present a Letter of Appointment under Seal. All unapproved use of the estates property constitutes fraud and perjury.

3. Official Disclosures Any individual or entity intending to assert authority, claim a debt, or continue correspondence shall : Submit IRS Form W-9 and Public Servant Questionnaire ( PSQ ) Provide disclosure under penalty of perjury, per the Privacy Act of 1974, P.L. XXXX V. LEGAL CONSEQUENCES Any continued unauthorized activity following this notice constitutes : Perjury under 18 U.S.C. 1001 Obstruction of fiduciary process under 18 U.S.C. 1519 Theft of Indigenous ecclesiastical property under 18 U.S.C. 247 Commercial fraud under 31 U.S.C. 3729 and UCC Articles 3, 8, and 9 Silence is construed as tacit acquiescence and acceptance of this notice.

VI. SIGNATURE & SEAL This autograph is issued solely in fiduciary capacity not as accommodation party or surety for the decedent. 

Respectfully and Lawfully Executed, Under seal and full trust authority : By : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for XXXX XXXX XXXX Estate Without U.S. Jurisdiction No Citizenship Presumed c/o XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] US. DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX is hereby placed on legal notice of : Irreparable Harm to XXXX XXXX XXXX XXXX XXXX : Your continued use, securitization, or administration of any data, credit instrument, or financial record bearing the name XXXX XXXX XXXX whether tied to Social Security # XXXX, any credit file, educational loan, or federal report constitutes direct harm to the XXXX XXXX XXXX XXXX XXXX XXXX, in violation of 26 U.S.C . 6903, 15 U.S.C. 1692e, and 18 U.S.C. 247.

Immediate Removal Directive : You are hereby ordered to : Immediately and permanently remove all estate identifiers, including any association with XXXX XXXX XXXX, from your systems, third-party vendors, credit bureaus, and public or private records ; Cease all billing, collection, or reporting activities ; Issue formal acknowledgment of compliance within XXXX hours, or risk formal referral to : U.S. DOJ Public Integrity Section , IRS Criminal Investigations Division , Consumer Financial Protection Bureau Enforcement Division , and the General Services Administration Office of Inspector General ( FraudNet Division ).

Failure to comply shall constitute willful misconduct, breach of fiduciary duty, and criminal trust fraud under 18 U.S.C. 1341, 1344, 1519 and Title 31 U.S.C. 37293733 ( False Claims Act ), warranting federal civil and criminal enforcement. 

COPIES DISTRIBUTED TO : CFPB Enforcement Division XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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