Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
AFFIDAVIT OF NOTICE OF IDENTITY THEFT AFFIDAVIT OF NOTICE OF DEMAND TO CEASE AND DESIST CONTACT AND COLLECTIONSAFFIDAVIT OF NOTICE OF NON-14TH AMENDMENT CITIZENSHIPAFFIDAVIT OF NOTICE OF COLOR OF LAW VIOLATIONS AND DEPRIVATION OF RIGHTS STATE OF Missouri COUNTY OF XXXX XXXX I, XXXX ; of the family name XXXX, being of sound mind and competent to testify, make oath and depose the following facts : IDENTITY VERIFICATION : I am the undersigned, XXXX XXXX, a living woman with natural rights, and I submit this affidavit as a formal and lawful notice regarding fraudulent, misleading, and unlawful credit reporting practices. 

DISPUTED BANKRUPTCY ENTRY : The bankruptcy appearing on my credit report with Experian and XXXX is inaccurate, misleading, and unverifiable. I demand that you provide documented evidence of a direct verification of this bankruptcy with the original source, in accordance with the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681. 

NOTICE OF IDENTITY THEFT : I hereby declare that I have been a victim of identity theft as fraudulent and misleading information has been placed on my credit report without my explicit consent. This constitutes a direct violation of my rights under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ). 

NOTICE OF DEMAND TO CEASE AND DESIST : Under my rights granted by the FCRA and FDCPA, I hereby demand that you cease and desist all reporting, distribution, and use of the disputed bankruptcy information. Any further communication or action in relation to this unverifiable information will be considered a willful violation of my consumer rights and will be met with immediate legal action. 

NOTICE OF NON-14TH AMENDMENT CITIZENSHIP : I, XXXX XXXX, am a private XXXX XXXX and not a corporate entity or U.S. Citizen as defined under the 14th Amendment. As such, any attempts to unlawfully enforce corporate statutes, regulations, or policies upon me without full disclosure and my consent constitutes fraud and misrepresentation. 

NOTICE OF COLOR OF LAW VIOLATIONS AND DEPRIVATION OF RIGHTS : Any continued reporting of this inaccurate bankruptcy entry and refusal to remove it is a direct violation of my rights under color of law. Any attempt to collect, distribute, or use this false information against me is an unlawful deprivation of rights protected under federal law, including but not limited to 18 U.S.C. 241 and 242. 

LEGAL WARNING AND DEMAND FOR REMOVAL : Failure to comply with this request within the time frame allotted by federal law ( 30 days ) will result in legal action against Experian and XXXX. I will seek full legal remedies, including but not limited to complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potential litigation for damages caused by inaccurate reporting. 

CERTIFICATION OF ACCURACY : I affirm under penalty of perjury that the above statements are true and correct to the best of my knowledge and belief. 


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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