Consumer complaint received 2024-01-27 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: MI

Complaint narrative:
XXXX XXXX XXXX continue to allege I owe a debt. I can not be indebted to XXXX XXXX XXXX when I never signed an agreement nor was there a contract. Transfer of contract does not mean contract of rights furthermore I have exclusive equity in my financial asset. If I am indebted I demand the equitable interest be applied to the balance and any overpayment be refunded. I can not be more liable or damaged than XXXX XXXX XXXX. 

equity Primary tabs In law, the term " equity '' refers to a particular set of remedies and associated procedures involved with civil law. These equitable doctrines and procedures are distinguished from " legal '' ones. While legal remedies typically involve monetary damages, equitable relief typically refers to injunctions, specific performance, or vacatur. A court will usually award equitable remedies when a legal remedy is insufficient or inadequate. For example, courts will generally award equitable relief for a claim which involves a particular or unique piece of real estate, or if the plaintiff requests specific performance. 

Origin The distinction arose in XXXX where there were separate courts of law and courts of equity. Following this pattern in America, some states created chancery courts which deal only with equitable relief. In other states, the courts of common law were empowered to exercise equity jurisdiction. Today, separate courts of chancery have largely been abolished, as the same court that may fashion a legal remedy has the power to prescribe an equitable one. 

Expansion of Equitable Relief Courts are sometimes hesitant to impose equitable relief, particularly specific performance. This is because equitable remedies often require the courts to monitor the remedies to make sure that the defendant complies with the court order. However, the Supreme Court has been willing to encourage the use of equitable remedies in certain areas of law ; see XXXX XXXX v. XXXX et al., 563 U.S. 421 ( 2011 ). 

ERISA In XXXX XXXX XXXX XXXX Supreme Court held that for violations of ERISA, the aggrieved party XXXX be entitled to " obtain other appropriate equitable relief '' in addition to legal remedies. In XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 577 U.S. ( 2016 ), the Supreme Court narrowed the scope of equitable remedies for ERISA violations. In XXXX, the Court held that a party claiming equitable relief under ERISA is limited to the relief typically available in equity. As applied to ERISA, equitable relief will not extend to a plaintiff enforcing an " equitable lien against the defendant 's general assets. '' Further Reading XXXX XXXX XXXX XXXX A Treatise on Equity Jurisprudence : As Administered in the United States of America : Adapted for All the States and to the Union of Legal and Equitable Remedies Under the Reformed Procedure is generally viewed as an authoritative source on equitable remedies in the United States.

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