Consumer complaint received 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Account Number : XXXX, XXXX To the violators : All credit Reporting Companies and XXXX XXXX XXXX , Ceo of XXXX XXXX XXXX , I am writing to formally notify you of an estoppel regarding the above-partial referenced accounts. Based on the following grounds, I assert that your business XXXX XXXX XXXX is estopped from pursuing any further collection actions against me : 1. Remove your report on my accounting history immediately you are to proof of credit Application applied/Approved to you Directly from the beneficiary.

2. The beneficiary relies on the consumer credit report to monitor my consumer credit transactions, not third party investors on my Private Banking statements. This is a direct violation to my FCRA Rights to Publish ANY PRIVATE Banking Statements to Public Accounts. Per XXXX file number XXXX XXXX XXXX XXXX XXXX XXXX the proposed Creditor over the Account is in fact a Broker-Dealer registered under the SEC. The Companys Primary Clearing Broker XXXX XXXX XXXX XXXX ( XXXX ) has a Piggyback Relationship for Clearing and Custody with The Creditor in Question. XXXX Bundles and Trades the Notes from other Entities and Routes them for Custody and Clearing. The Company Doesnt hold any Beneficiarys Funds or Securities and promptly Transmitted the Beneficiary 's Funds or Securities to the clearing Broker-Dealer for Resale and Underwriting.

Given these circumstances, it would be unjust and inequitable for XXXX XXXX XXXX to continue to assert this debt If a XXXX XXXX is not under an obligation to do something, equity assumes they intend to fulfill it. I have never signed an agreement with. If a wrong has occurred, there should be a remedy available to address it. The individual is also a consumer with respect to the other financial institutions involved. An individual who has a loan in which you have ownership or servicing rights is your consumer, even if you, or another institution with those rights, hire an agent to collect on the loan. An individual who applies to you for credit for personal, family, or household purposes is a consumer of a financial service, regardless of whether the credit is extended. I have no record of application for credit From XXXX XXXX XXXX. The Beneficiary does not, however, have a continuing relationship with you if : XXXX XXXX sold the beneficiary 's loan account and do not retain the rights to service that loan ; Nor does the Collection Agent ( XXXX XXXX XXXX ) have a right to collect. 
The sale constitutes paid in full and the account is in FACT CLOSED. This Private Data Should not have been leaked in anyway. Nonpublic personal information means : Personally identifiable financial information, that is derived using any personally identifiable financial information that is not publicly available. Payments and partial Account numbers traced back to a CLOSED ACCOUNT. initial notice to a consumer is not required When : You do not disclose any nonpublic personal information about the consumer to any nonaffiliated third party, other than as authorized

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