Consumer complaint received 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To Whom It XXXX Concern, I am filing this formal complaint against Target Card Services and Experian for their unlawful debt collection practices, failure to validate an alleged debt, and inaccurate credit reporting in violation of federal law, UCC commercial law, HJR 192 ( 1933 ), and the Fair Credit Reporting Act ( FCRA ). 

XXXX. Summary of the Issue On XX/XX/XXXX, I submitted a payment coupon slip issued by XXXX XXXX XXXX along with my certified notice, tendering payment toward the alleged debt associated with account number XXXX. This coupon slip constitutes a valid negotiable instrument under UCC 3-104 and was lawfully presented as full settlement of the alleged obligation. 

This payment was made in accordance with : HJR 192 ( 1933 ) : Prohibits creditors from demanding payment in a form that requires the debtor to surrender their rights, mandating that all debts be XXXXscharged XXXX.

UCC 3-104 : Defines negotiable instruments ( e.g., coupon slips, promissory notes ) as valid forms of payment.

UCC 3-603 ( b ) : Specifies that if a tender of payment is made and refused, the obligation is discharged to the extent of the tendered amount. 

Despite my lawful payment, XXXX XXXX XXXX failed to discharge the debt, continued collection attempts, and allowed Experian to report the account negatively, causing financial harm. 

XXXX. Failure to Validate the Alleged Debt and Dishonor of Payment On XX/XX/XXXX, I sent a certified letter to Target Card Services ( Certified Mail # XXXX ), formally tendering payment via the coupon slip and requesting a full accounting of all activity related to the trust associated with my Social Security XXXX XXXX ( XXXX ). 

Under XXXX XXXX ( b ), the debt should have been XXXX upon tender of payment. However : XXXX XXXX XXXX failed to honor the payment or provide a written explanation of its alleged insufficiency. 

They did not return the original security documents or provide a detailed statement of deficiencies, as required by commercial law. 

They failed to file a 1099-C Cancellation of Debt form and provide me with a copy, as required when a debt is discharged.

Additionally, Experian continues to report the account negatively despite the lawful discharge, damaging my credit profile. 

XXXX. My Efforts to Resolve the Issue I have made multiple attempts to resolve this matter : Submitted a formal payment coupon as tender of payment in accordance with UCC commercial law.

Sent a certified letter requesting a full accounting of all trust activity associated with my Social Security XXXX and the XXXX XXXX XXXX account. 

Requested validation of the alleged debt, including proof of a wet-ink contract and a lawful accounting ledger. 

Despite these efforts, XXXX XXXX XXXX failed to comply with federal and commercial law, and Experian continues to report inaccurate information. 

XXXX. Requested Resolution I respectfully request that the CFPB investigate this matter and take the following corrective actions : Validation of the Alleged Debt : Require Target Card Services and Experian to provide full validation of the alleged debt, including : A wet-ink contract bearing my signature. 

A lawful accounting ledger proving the legitimacy of the obligation. 

All original security documents intact and unaltered. 

Acknowledge the Lawful Payment and Discharge the Debt : XXXX  XXXX XXXX XXXX to recognize the coupon slip as valid payment in accordance with XXXX XXXX and XXXX XXXX. 

XXXX them to file a XXXX XXXX of XXXX form and provide me with a copy. 

Update my account status to reflect a {$0.00} balance and confirm in writing that the debt has been settled. 

Cease All Collection Activities : Instruct Target Card Services to immediately cease all collection attempts related to the alleged debt.

Correct Credit Reporting : Order Experian and other credit bureaus to : Remove all negative reporting associated with this account.

Correct any inaccurate information damaging my credit profile.

5. Legal Consequences of Non-Compliance Failure to comply with this request may result in further legal action, including but not limited to : Claims for unlawful debt collection practices. 

FCRA violations for inaccurate reporting. 

Reporting to the IRS via XXXX XXXX for-tax fraud and dishonor. 

Financial damages for harm caused by inaccurate reporting and collection attempts. 

XXXX. Supporting Documentation I am attaching the following supporting documents : Certified mail receipt ( # XXXX ) proving delivery. 

Copies of my certified letter and request for full accounting. 


XXXX. Conclusion I respectfully request that the CFPB investigate this matter and take the appropriate legal action to enforce federal law, UCC commercial law, and HJR 192. Please confirm receipt of this complaint and provide me with regular updates on the status of your investigation. 

Thank you for your attention to 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 explanation