Consumer complaint received 2025-01-03 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: TX

Complaint narrative:
I am filing this complaint against Experian for their continued reporting of an account associated with Government XXXX XXXX XXXX XXXX ( XXXX ) on my credit report. This account is being reported in violation of multiple consumer protection laws, and I hereby exercise my right to opt-out of having this account reported on my credit profile. 

XXXX. Lack of Permissible Purpose ( 15 U.S. Code 1681b ) : Under the Fair Credit Reporting Act ( FCRA ), Experian must have a permissible purpose to include information on my credit report. XXXX has failed to demonstrate any permissible purpose for reporting this account. I do not authorize XXXX or Experian to continue reporting this account, and I am formally opting out of its inclusion on my credit profile. 

XXXX. Obsolete and Inaccurate Reporting ( 15 U.S. Code 1681c ) : Experian is obligated to ensure the accuracy of information reported on credit files. XXXX refusal to honor lawful tender payments, as outlined under the XXXX XXXXXXXX and Commerce Code, effectively discharged the debt under Sec. XXXX. As such, Experian is reporting inaccurate information in violation of the FCRA. 

XXXX. Violation of Consumer Protections Under 12 CFR 1022.3 : Experian is required to maintain procedures to ensure accuracy and fairness in credit reporting. By failing to investigate or validate the legitimacy of XXXX claims, Experian has failed to meet these obligations. 

XXXX. Non-Compliance by XXXX XXXX XXXX XXXXXXXX and Commerce Code ) : The Loan and Security Agreement I entered with XXXX on XX/XX/XXXX, was governed by the XXXX XXXXXXXX and Commerce Code, Sec. 26.02. My tendered payments, including negotiable instruments sent on XX/XX/XXXX, with fiduciary instructions, were made pursuant to the following provisions : Sec. 3.603 ( Tender of Payment ) : My obligations were discharged when XXXX refused my payments without lawful basis. 
Sec. 3.604 ( Discharge by Cancellation or Renunciation ) : XXXX refusal to apply the payments constitutes a discharge under the law. 
Sec. XXXX ( Negotiable Instrument ) : The XXXX XXXX of XXXX satisfies the definition of a negotiable instrument. 
Despite these legal provisions, XXXX returned my tendered payments, claiming they do not accept this form of payment. This refusal has no basis in the original agreement, which does not restrict forms of payment under applicable law. 

XXXX. Experians Negligence and Willful Non-Compliance ( 15 U.S. Code 1681n, 1681o ) : Experians reporting of this account despite despite my opt-out request is causing me damages and constitutes : Willful Non-Compliance ( 1681n ) : By reporting inaccurate and outdated information, Experian knowingly violates FCRA requirements.

Negligent Non-Compliance ( 1681o ) 6. Opt-Out Request : Pursuant to my rights under consumer protection laws, I am opting out of Experian reporting this account. XXXX has failed to establish permissible purpose under 15 U.S. Code 1681b, and its continued inclusion violates my rights. I request immediate removal of this account from my credit profile. 

Supporting Documents : Loan and Security Agreement with XXXX ( XX/XX/XXXX ). 
Copies of tendered payments and fiduciary instructions sent on XX/XX/XXXX. 
Registered mail receipt ( XXXX ). 
Correspondence with XXXX, including Opportunity to Cure ( XX/XX/XXXX ) and Notice of Default ( XX/XX/XXXX ). 
International Bill of Exchange and related instructions.

Mail Fraud Report XXXX XXXX XXXX. 

Thank you for your prompt attention to this matter.

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