Consumer complaint received 2025-01-20 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXXXXXX XX/XX/XXXX To : Experian [ Address of Credit Bureau ] [ City, State, ZIP Code ] Subject : Affidavit and Formal Demand for Correction of Credit Report Notice to Principal is Notice to Agent, Notice to Agent is Notice to Principal Dear Experian Representative, I, XXXX XXXX, Executor of the landed Estate XXXX XXXX XXXX, issue this formal notice under the authority of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and other applicable laws governing financial instruments and private property rights. 
As the Certificated Security Holder of the estate of XXXX XXXX XXXX, I hold dominion over all rights, interests, proceeds, titles, bonds, chattel papers, and securities associated with the estate. 
Demands for Correction and Verification Fraudulent Reporting of Late Payments The reporting of late payments from XXXX XXXX is inaccurate and unverifiable. I demand that you correct the record to reflect all payments as current and report XXXX missed payments. 
Unauthorized Accounts The following accounts are unauthorized and must be removed from the credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hard Inquiry Removal The following hard inquiries were not authorized and must be removed immediately : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Request for Verification of Claims Under FCRA and related legal principles , any reported information must be accurate, complete, and verifiable. As such, I require : Proof of possession of the original negotiable instrument used to substantiate any alleged debt or claim reported on the credit file. 
Proof that the original instrument ( note or obligation ) has not been destroyed, canceled, or discharged via securitization or other processes. 
Evidence that Experian or its affiliates hold certificated securities or other equitable rights authorizing them to report on or make claims against the estate of XXXX XXXX XXXX. 
Failure to provide this documentation within 30 days will constitute noncompliance with FCRA and FDCPA, further substantiating the fraudulent nature of the reports. 
XXXX XXXX for Monetary Damages FCRA Violations Statutory damages of {$100.00} to {$1000.00} per violation for willful noncompliance ( 15 U.S.C. 1681n ). 
Actual and punitive damages for harm caused by inaccuracies or fraudulent reporting. 
FDCPA Violations Statutory damages of up to {$1000.00} per lawsuit for violations. 
Actual damages for financial harm caused by unauthorized or inaccurate reporting. 
Fee Schedule for Noncompliance In addition to statutory remedies, the following claims apply for damages caused to the XXXX XXXX XXXX : : Fraudulent Reporting : {$30000.00} per inaccurate entry. 
Failure to Verify or Respond : {$50000.00} per violation. 
Total Damages will be calculated based on the number of unresolved inaccuracies, plus any additional harm caused by your inaction. 
Conclusion This letter constitutes a formal demand for correction and verification under FCRA and FDCPA. Failure to respond with evidence of verification or correction of inaccuracies within 30 days will result in further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing civil remedies. 
I declare under penalty of perjury under the laws of the United States that the foregoing is true and correct. 
Sincerely, XXXX XXXX XXXX of the XXXX XXXX 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