Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am filing this formal complaint against XXXX XXXX for violations of my consumer XXXX commercial rights regarding a promissory note I signed. As the borrower, I am asserting my right XXXX either receive the original promissory note or be returned like-kind value for the financial instrument, in accordance with the Uniform Commercial XXXX XXXX XXXX XXXX  and United States XXXX XXXX XXXX ) XXXX 

Nature of the XXXX XXXX XXXX currently reports a negative trade line associated with a promissory note I signed for a loan obligation. I am now asserting my right under commercial law XXXX either : XXXX. Receive back the original, wet-ink signed promissory note, XXXX. Or receive like-kind compensation ( value in cash or equivalent ) if the note was sold, destroyed, or securitized. 
According XXXX XXXX XXXX XXXX, a loan is a transaction where XXXX party gives something of value XXXX expects repayment. When I signed the promissory note, it became a negotiable instrument XXXX asset of value, which could be sold or traded. If the original promissory note has been monetized through securitization or destroyed, then the debt is satisfied and I am owed a return, per the terms of XXXX and contract law. 

Violations of XXXX XXXX XXXX XXXX. XXXX XXXX Presentment and Demand for Note : I hereby demand the return of the original, signed promissory note. If it can not be returned, that indicates it has either been sold, destroyed, or securitizedtherefore the debt is satisfied. 
XXXX. XXXX XXXX Discharge and Defenses : If the note has been monetized or transferred, I maintain the right XXXX assert discharge of obligation and defenses against further attempts XXXX collect or report. 
XXXX. XXXX XXXX Reservation of Rights : All my rights are reserved, without prejudice. I do not waive any rights in this matter. 
XXXX. XXXX XXXX. XXXX ( b ) FCRA Duties of Furnishers : XXXX XXXX is responsible for reporting only accurate XXXX verifiable information. Reporting an account as derogatory, while the obligation has been financially satisfied through internal structuring, violates federal law. 
XXXX. XXXX XXXX. XXXX FDCPA Misleading Representations : If XXXX continues reporting negative information while failing XXXX acknowledge satisfaction or provide the original note, this constitutes a deceptive practice. 

Demands for XXXX XXXX. Return or Compensation for Promissory Note : If my original promissory note can not be returned, I demand to be compensated in like-kind value ( cash or equivalent ) for its usage or destruction. This is a negotiable instrument of value, XXXX I am entitled XXXX be made whole. 
XXXX. Deletion of Account with Prejudice : Due XXXX the transactional structure of the loan and unresolved reporting violations, I demand this account be deleted with prejudice from all three major credit bureaus : Experian, XXXX XXXX XXXX. 
XXXX. Compensation for Damages : Due to the derogatory nature of the reporting, I have experienced credit denials, missed opportunities for home XXXX auto financing, and reputational harm. I am seeking monetary relief for these damages in accordance with my rights under federal consumer protection laws. 

Conclusion I request that the Consumer Financial Protection Bureau conduct an immediate investigation into Landmark Financials handling of this promissory note, credit reporting practices, XXXX any associated violations. I request full transparency of all transactions involving my promissory note XXXX prompt deletion of the trade line or update to reflect paid in full or current status. This is submitted under XXXX XXXX, reserving all rights.

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