Consumer complaint received 2025-05-16 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: FL

Complaint narrative:
b'AFFIDAVIT OF COMMERCIAL DISHONOR AND ADMINISTRATIVE DEMAND FOR CREDIT CORRECTION\nPursuant to 15 U.S.C.  1681, UCC  3-603, and Constitutional Equity\n\nSubmitted to:\nConsumer Financial Protection Bureau (CFPB)Targeted Entity: Experian Information Solutions, Inc.\n\nSubmitted by:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, a living man operating under the original Constitution for the united States of America, do hereby submit this formal affidavit and administrative demand for correction of false, misleading, and materially inaccurate credit reporting conducted by Experian Information Solutions, Inc.\n\nThis submission consolidates prior individual complaints submitted through CFPB and mailed correction packages. It reflects a lawful commercial demand for correction of Experians records in light of IRS-confirmed cancellation of debts by original creditors.\n\nThis notice is submitted in good faith and in honor, pursuant to:\n\n15 U.S.C.  1681e(b), 1681s-2(b), 1681i(a)(5)(A)\n\nUCC  3-603 (discharge by tender)\n\nUCC  1-308 (reservation of rights)\n\nII. NATURE OF VIOLATIONS\n\nExperian is knowingly and willfully reporting derogatory or delinquent account statuses that have:\n\nBeen cancelled and discharged by the original creditor as documented by IRS Form 1099-C filings\n\nBeen monetized and securitized, as evidenced by Form 1099-B filings\n\nBeen formally challenged and corrected via direct correspondence and evidentiary submissions by the undersigned\n\nContinued reporting constitutes:\n\nWillful inaccuracy under 15 U.S.C.  1681e(b)\n\nFailure to reinvestigate under 15 U.S.C.  1681i(a)\n\nFailure to correct after notice under 15 U.S.C.  1681s-2(b)\n\nUnjust enrichment and fiduciary fraud under UCC and equity law\n\nIII. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\nYou are hereby directed to take the following actions:\n\nCorrect all above-listed accounts to reflect "Paid in Full" or "Settled  Paid" status, effective as of their cancellation dates\n\nRemove all derogatory, charge-off, and delinquency notations from said accounts\n\nRetain original age and credit limits to preserve utilization and credit history integrity\n\nProvide a written confirmation and updated credit report reflecting said corrections within 10 business days of receipt of this demand\n\nV. ATTACHED EVIDENCE (Exhibits)\n\nIRS 1099-C forms XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\n\nIRS 1099-B forms (XXXX XXXX XXXX)\n\nCorrection letters mailed to Experian\n\nFiled complaint with Florida Attorney General\n\n"Removal of Derogatory Accounts Canceled by Creditors via IRS 1099-C.pdf"\n\nVI. NOTICE OF ESCALATION\n\nFailure to respond in good faith to this lawful administrative demand will result in:\n\nFiling of formal claims with the Securities and Exchange Commission (SEC) for fraudulent monetization of discharged debt\n\nComplaint to the IRS Office of the Inspector General for tax fraud and false debt classification\n\nFederal complaint in Level III Constitutional Court of Equity\n\nFiling of UCC lien for breach of fiduciary duty and dishonor\n\nExecuted by:Bryant LumpkinAgent for the Principal  XXXX XXXX Rights Reserved, Without PrejudiceUCC 1-308\n\n05/16/25'

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