Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
As the duly appointed fiduciary of the XXXX XXXX XXXX XXXX, I filed IRS Form 56 and served formal notice of fiduciary capacity to all applicable agencies and creditors, including XXXX XXXX. I acted lawfully under 26 U.S. Code 6903 and 26 CFR 301.6903-1, establishing both legal recognition and binding authority on behalf of the estate. 

In XX/XX/XXXX, I submitted IRS Forms 1099-A and 1099-C in accordance with my fiduciary responsibility to resolve all outstanding matters tied to the decedents account. XXXX was placed on official notice via certified mail and provided a reasonable window to validate the alleged debt or formally object. They failed to do either. 

Despite this, XXXX continues to report derogatory tradelines to multiple credit bureaus, violating my rights under federal fiduciary law as well as consumer protections afforded by the FCRA and FDCPA. These actions interfere with my lawful ability to administer the estate and have caused direct harm by preventing the acquisition of essential transportation following a XXXX vehicle accident that devastated my ability to earn a living. 

Fiduciary law violations include : 26 USC 6903 ( a ) : Fiduciary properly notified the Secretary of the Treasury and creditors of appointment and authority.

26 CFR 301.6903-1 : Upon notice, fiduciary becomes the point of contact for all tax and related obligations.

Uniform Fiduciaries Act ( where applicable ) : Imposes liability on any party who knowingly disregards or circumvents fiduciary authority.

FCRA & FDCPA Violations : Under the FCRA : 15 U.S. Code 1681s2 ( a ) : Furnishers of information must not report data they know or should know is inaccurate.

15 U.S. Code 1681i : Failure to reinvestigate disputes in 30 days violates federal procedure.

15 U.S. Code 1681e ( b ) : Accuracy must be the highest standard " maximum possible accuracy. '' Under the FDCPA : 15 U.S. Code 1692g ( b ) : Collection efforts must cease until validation is
provided. None was.

15 U.S. Code 1692e : False or deceptive representation of debt is unlawful.

15 U.S. Code 1692f : Continuing to report a debt without fiduciary acknowledgment is unfair and abusive.

I have exercised my fiduciary duty with full transparency, legal structure, and federal alignment.XX/XX/XXXXrefusal to honor my lawful position and their failure to validate the alleged debt constitutes not only a violation of consumer law it is a dismissal of legal fiduciary rights and duties. 

I am requesting the immediate removal of the XX/XX/XXXX tradeline from all credit reports, a full internal investigation into the companys noncompliance with fiduciary and federal law, and written confirmation that no further attempts to report or collect will be made.

I am including all of the completed documentation including Form 56, 1099s, certified mailing receipts, and credit report.

I am trusting that your office will act swiftly and justly in resolving this matter. Please understand that while I approach this with full respect, I will not remain silent or complicit in the continued abuse of my rights and the violation of federal law.

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