Consumer complaint received 2025-05-30 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: SC

Complaint narrative:
Affidavit of Consumer Rights Violations, Damages, and Demand for Equitable Relief Affirmed by : XXXX XXXX XXXX I, XXXX XXXX XXXX, a living man, in full life, XXXX XXXX, competent to testify, and the authorized agent and beneficiary of the legal estate/trust styled as XXXX XXXX XXXX, hereby solemnly affirm the following under penalty of perjury, pursuant to the laws of the state of South Carolina and the united States of America XXXX not the corporate UNITED STATES XXXX XXXX with all rights reserved, without prejudice, under XXXX XXXXXXXX XXXX 

I have discovered multiple fraudulent and inaccurate accounts being reported on my consumer credit files by Equifax, Experian, and TransUnion. These accounts were reported without my knowledge, consent, or verified contractual obligation. No valid contract exists bearing my wet-ink signature. These items were placed into my consumer reports without full disclosure, validation, or lawful verification and therefore represent a trespass upon my private estate and a violation of my rights under federal law and common law. 

Accounts in Dispute : XXXX XXXXXXXX XXXX ( Closed ) Account ending in XXXX {$1200.00} Charge-Off XXXX XXXX XXXX ending in XXXX {$910.00} Delinquent XXXX  XXXX XXXX XXXX XXXX XXXX ) Account ending in XXXX {$2300.00} Charge-Off XXXX XXXX XXXX ( XXXX XXXX Account ending in XXXX {$2100.00} Collection XXXX XXXX XXXX ( Closed ) Account XXXX XXXX XXXX Closed These accounts are being reported erroneously and without legal substantiation. I have submitted previous disputes regarding these accounts, and the credit bureaus have failed to perform any lawful or meaningful reinvestigation as required under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX. Instead, these accounts have been marked verified without proper documentation or lawful validation. This constitutes willful noncompliance under FCRA XXXX and XXXX, as well as deceptive practices under the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX. 

I have never received : Any signed contract verifying obligation to the alleged debts Lawful validation of debt Proof of claim or lawful assignment XXXX-compliant accounting records Chain of title or holder-in-due-course evidence Full disclosure as required under the Truth in Lending Act ( TILA ) These violations have caused me measurable harm, including financial injury, denial of credit opportunities, emotional distress, and reputational damage. As the living man and rightful beneficiary of my legal estate, I do not consent to being held liable for unlawful, fraudulent, or misreported debts attributed to a corporate fiction. 

Demand for Remedy and Damages : Statutory damages for violations under the FCRA and FDCPA ( XXXX total violations at {$1000.00} each ) : {$7000.00} Compensatory damages for emotional, reputational, and financial harm : {$3500.00} Equitable relief demanded : Immediate deletion of the above-referenced accounts Written proof of lawful investigation and validation Full cessation of collection activities Recoupment of all funds collected fraudulently or unjustly Notice of Escalation : If you fail to remove the inaccurate information and provide evidence of a legally sufficient investigation, I will escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau XXXX CFPB ), the Federal Trade Commission XXXX FTC ) XXXX and the South Carolina Attorney General. I will also initiate legal action for damages under FCRA XXXX and XXXX, and pursue all lawful remedies available to me under federal law, equity, and commercial code. 

Judicial Notice of Status and Rights : Let this serve as lawful notice that I, XXXX XXXX XXXX, a living man and authorized agent of the private trust/estate bearing the all-capitalized name XXXX XXXX XXXX, do not consent to joinder, adhesion, suretyship, or corporate enforcement against the trust without lawful contract and full disclosure. I reserve all rights, titles, and interests in and to my estate and do not waive any rights, knowingly or unknowingly. I invoke all protections under XXXX XXXX and do not consent to presumption, agency, or adhesion by operation of law, silence, or fraud. 

This affidavit shall serve as a sworn statement for administrative and judicial review. Any continued attempt to enforce or report these fraudulent accounts shall constitute willful misrepresentation, bad faith, and unjust enrichment. 

Affirmed this XXXX day of XXXXXXXX XXXX  By : XXXX XXXX XXXX All Rights Reserved. Without XXXX. XXXX XXXX. Without Recourse.

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