Consumer complaint received 2024-05-04 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: FL

Complaint narrative:
Affidavit of Truth In re : XXXX XXXX XXXX Pursuant to FDCPA Section 809 and FCRA Section 609 and Equal Credit Opportunity Act and 15 U.S. Code 1681b - Permissible purposes of consumer reports, you all being XXXX and XXXX and Experian and all those you service/serve are ordered to delete each and every invalid inquiry and invalid account and inaccurate account and invalid missed payment and invalid account balances within five days of failure to validate the information as well as unequivocal record proof that each person reporting invalid balances was the absolute and very first issuer of the credit in extension from XXXX XXXX XXXX with each inquiry and account subject to 15 U.S.C. 1635 for lack of full disclosure and failure to disclose my right to rescind my signature Salve, Now comes XXXX XXXX exercising my right as Executor and Sole Beneficiary as per the Fair Credit Reporting Act and Equal Credit Opportunity Act and Fair Debt Collection Practices Act requesting information be deleted in relation to items that are listed on the consumer credit report for XXXX XXXX account number XXXX upon failure of bureau validating the reported claims and inquiries within five calendar days from day of notice and receipt. It is hereby declared and claimed as fact that XXXX XXXX XXXX is and has always been the beneficial owner and original creditor for each account reported on the consumer report and each person/company claiming to be creditor is the creditor as assignee assigned by the original creditor and is counter-distinguished as such As per Fair Credit Reporting Act and Amendments 4 and 5 of the Bill of Rights of the Constitution for the united states of America , I am entitled to see the origin of the information, which is the original contract or writ of inquiry that contains my signature or a judgment authorizing the reporting of inquiries on my estates report for the Fair Credit Reporting Act does not limit constitutional provisions. Ignorance of the law is no excuse from the law. XXXX XXXX XXXX At present it is mandated that upon your failure and inability to validate the following inquiries and invalid account balances and account payment records with a writ of inquiry or letter of authorization or letter of attorney each bearing original wet ink signatures from myself the natural person/beneficial owner, you all shall delete and expunge the information from the consumer credit report within five ( 5 ) calendar days. Notice of intent to lien for constitutional violations and criminal racketeering violations as per 18 U.S.C. 1962 and 1963 pursuant to 15 U.S.C 1 & 3 & 13. Ignorance of the law is no excuse from the law. Sans Recourse.

Cause of Action I. The inquiries and inaccurate accounts unconstitutionally jeopardize interstate commerce which is a constitutional violation hindering the ability to execute remedy provision set forth therein 18 U.S. Code 245 Federally protected activities as per credit approvability due to the invalid accounts and damaging inquiries that serve no purpose other than damage credibility directly violating the Equal Credit Opportunity Act II. Private Personal Social Security Account information is being/has been sold/traded without authorization and reported for profit as per inquiry trespassing against the estate causing commercial injury unconstitutionally encumbering interstate commerce through organized criminal activity for profit.

III. Securities Commodities Exchange Civil and Criminal R.I.C.O. through aggravated identity theft I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : The following addresses are reporting incorrectly and must be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX Ks XXXX The following account needs to be removed immediately : 1.Creditor Name : XXXX XXXX Account Number : XXXX  XXXX Explanation : Please verify and validate all data for this account, every notation, dates and balances, whether reported or not and I would like to be provided proof the method for which you are verifying as well as the exact details that match because without exact matches this account must be removed immediately as per FCRA. On top of it, this is a collection account and the collector needs to prove that this debt can survive collection, that they own this debt, and the extent to which they can collect this debt and that all their details match the original creditor. Without, it must be removed as per FCRA. 

The following account needs to be removed immediately : Creditor Name : XXXX XXXX ( Collection For XXXX XXXX ) Account Number : XXXX  XXXX Explanation : Please verify and validate all data for this account, every notation, dates and balances, whether reported or not and I would like to be provided proof the method for which you are verifying as well as the exact details that match because without exact matches this account must be removed immediately as per FCRA. On top of it, this is a collection account and the collector needs to prove that this debt can survive collection, that they own this debt, and the extent to which they can collect this debt and that all their details match the original creditor. Without, it must be removed as per FCRA. 

The following account needs to be removed immediately : Creditor Name : XXXX XXXX Account Number : XXXX XXXX Explanation : Please verify and validate all data for this account, every notation, dates and balances, whether reported or not and I would like to be provided proof the method for which you are verifying as well as the exact details that match because without exact matches this account must be removed immediately as per FCRA. On top of it, this is a collection account and the collector needs to prove that this debt can survive collection, that they own this debt, and the extent to which they can collect this debt and that all their details match the original creditor. Without, it must be removed as per FCRA. 

The following account needs to be removed immediately : Creditor Name : XXXX XXXX ( collections ) Account Number : XXXX XXXX Explanation : Please verify and validate all data for this account, every notation, dates and balances, whether reported or not and I would like to be provided proof the method for which you are verifying as well as the exact details that match because without exact matches this account must be removed immediately as per FCRA. On top of it, this is a collection account and the collector needs to prove that this debt can survive collection, that they own this debt, and the extent to which they can collect this debt and that all their details match the original creditor. Without, it must be removed as per FCRA. 

The following account needs to be removed immediately : Creditor Name : XXXX XXXX XXXX ( XXXX XXXX XXXX ) Account Number : No Account number {$480.00} Explanation : Please verify and validate all data for this account, every notation, dates and balances, whether reported or not and I would like to be provided proof the method for which you are verifying as well as the exact details that match because without exact matches this account must be removed immediately as per FCRA. On top of it, this is a collection account and the collector needs to prove that this debt can survive collection, that they own this debt, and the extent to which they can collect this debt and that all their details match the original creditor. Without, it must be removed as per FCRA. 

The following account needs to be removed immediately : Creditor Name : XXXX XXXX ( XXXX XXXX ) Account Number : XXXX  XXXX Explanation : Please verify and validate all data for this account, every notation, dates and balances, whether reported or not and I would like to be provided proof the method for which you are verifying as well as the exact details that match because without exact matches this account must be removed immediately as per FCRA. On top of it, this is a collection account and the collector needs to prove that this debt can survive collection, that they own this debt, and the extent to which they can collect this debt and that all their details match the original creditor. Without, it must be removed as per FCRA. 

The following account needs to be removed immediately : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Explanation : Please verify and validate all data for this account, every notation, dates and balances, whether reported or not and I would like to be provided proof the method for which you are verifying as well as the exact details that match because without exact matches this account must be removed immediately as per FCRA. On top of it, this is a collection account and the collector needs to prove that this debt can survive collection, that they own this debt, and the extent to which they can collect this debt and that all their details match the original creditor. Without, it must be removed as per FCRA. 

The following account needs to be removed immediately : 1.Creditor Name : XXXX XXXX Account Number : XXXX XXXX Explanation : Please verify and validate all data for this account, every notation, dates and balances, whether reported or not and I would like to be provided proof the method for which you are verifying as well as the exact details that match because without exact matches this account must be removed immediately as per FCRA. On top of it, this is a collection account and the collector needs to prove that this debt can survive collection, that they own this debt, and the extent to which they can collect this debt and that all their details match the original creditor. Without, it must be removed as per FCRA. 

The following account needs to be removed immediately : 1.Creditor Name : XXXX XXXX Account Number : XXXX XXXX Explanation : Please verify and validate all data for this account, every notation, dates and balances, whether reported or not and I would like to be provided proof the method for which you are verifying as well as the exact details that match because without exact matches this account must be removed immediately as per FCRA. On top of it, this is a collection account and the collector needs to prove that this debt can survive collection, that they own this debt, and the extent to which they can collect this debt and that all their details match the original creditor. Without, it must be removed as per FCRA. 


The following account needs to be removed immediately : Creditor Name : XXXX XXXX ( Collection For XXXX XXXX ) Account Number : XXXX  XXXX Explanation : Please verify and validate all data for this account, every notation, dates and balances, whether reported or not and I would like to be provided proof the method for which you are verifying as well as the exact details that match because without exact matches this account must be removed immediately as per FCRA. On top of it, this is a collection account and the collector needs to prove that this debt can survive collection, that they own this debt, and the extent to which they can collect this debt and that all their details match the original creditor. Without, it must be removed as per FCRA. 



The following account needs to be removed immediately : Creditor Name : XXXX XXXX ( XXXX XXXX ) Account Number : XXXX  XXXX Explanation : Please verify and validate all data for this account, every notation, dates and balances, whether reported or not and I would like to be provided proof the method for which you are verifying as well as the exact details that match because without exact matches this account must be removed immediately as per FCRA. On top of it, this is a collection account and the collector needs to prove that this debt can survive collection, that they own this debt, and the extent to which they can collect this debt and that all their details match the original creditor. Without, it must be removed as per FCRA. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX

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 non-monetary relief