Consumer complaint received 2024-07-05 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: IN

Complaint narrative:
-- - XXXX XXXX XXXX XXXX XXXX XXXX : Unauthorized XXXX Late Payment Reporting by XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXTo Whom It May Concern : ** I am writing to file a formal complaint against XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX their XXXX reporting of a XXXX late payment on my account. This complaint encompasses several violations and demands immediate correction of my credit report, as well as compliance with various laws and contractual obligations. 

XXXX XXXX : ** XXXX. XXXX XXXX XXXX XXXX : ** - I have never been late on my payments. I made a payment last week as per the agreed schedule and have consistently adhered to all payment arrangements. The XXXX late payment report is false and has negatively impacted my XXXX XXXX. 

XXXX. **Payment in Lawful Tender : ** - I have made payments using lawful tender and have provided a XXXX form accepted by the IRS, indicating XXXX the debt has been settled. Despite this, XXXX continues to report incorrect information. 

XXXX. **Investor and POA Status : ** - As an investor in XXXX XXXX with POA XXXX this account, my trust, XXXX XXXXXXXX XXXX XXXX owns this property. I have repeatedly requested XXXX to retitle my account to my trust but have faced continuous pushback. This is a clear violation of their fiduciary duty and contractual obligations. 

XXXX. **Administrative Process : ** - We are currently in an administrative process where I hold fiduciary responsibility over this account. XXXX is in violation of their duty as a security transfer agent. Their actions constitute securities fraud, breach of contract, consumer law violations, and privacy act violations. 

XXXX. **Contractual Violations : ** - According to the contract, I have the right to make changes within XXXX days. This contract is fraudulent as my security interest was taken away without consent. I have submitted notarized documentation revoking their security interest and reinstating mine ( XXXX XXXX XXXX XXXX XXXX XXXX ), as per the law. 

XXXX. **Failure to Provide Consideration : ** - I was promised a XXXX XXXX XXXX but have not received anything of value. This is a breach of merchant law regarding value of consideration. 

XXXX. **Lack of Privacy Notice : ** - XXXX has failed to provide a privacy notice or an option to opt-out as required by law. According to XXXX CFR XXXX and XXXX CFR XXXX, they are obligated to provide notice about their privacy policies and practices. Their contract vaguely states they " XXXX '' report without informing me in writing of my right to opt-out. 

XXXX. **Securitization and Transfer Violations : ** - XXXX XXXX subsidiary companies are involved in unauthorized transfers and trades of the XXXX XXXX XXXX. This involves multiple entities, including : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX **Legal References : ** - XXXX XXXX XXXX XXXX This transaction can not be included in my consumer report. 
- XXXX CFR XXXX & XXXX XXXX XXXX owes me a privacy notice and the right to opt-out. 

XXXX XXXX : ** - XXXX correction of my credit report to reflect accurate payment status ( " Paid as Agreed '' ). 
- Compliance with all privacy and contractual obligations, including providing a privacy notice and the right to opt-out. 
- Formal acknowledgment of my POA status and retitling of the account to XXXX XXXX XXXX. 
- Compliance with all relevant laws and correction of all violations listed above. 
Also I transferred their obligation back to them as per the transferee of the purchase money loan. 

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 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 I have all supporting documentation, including notarized letters and contractual agreements, ready to provide upon request. 

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