Consumer complaint received 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I provided the following : " This notice is in response to the negative mark you placed on Affiants consumer credit report { Report Number XXXX, or contract }, using Her personal identifiable information, including but not limited to Her Social Security Number { credit card number } and XX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX NAME or VESSEL { property }. Maxim of Law : Every jurisdiction has its own bounds. 

i. Who is XXXX? It would appear as though XXXX has sold Account Number : XXXX, to you, a third party debt collector, and you are participating in fraud. Since there can be no signature on the documents you may have concerning Affiant, who is accountable for this contract Affiant is being offered? If you can state your claim and provide that contract Affiant has with either you, the original creditor, or the third party debt collector, whereas there is a wet ink signature from the Affiant and someone from either you, the original creditor, or the third party debt collector, Affiant is willing to settle this alleged account ; Take notice of the following undisputed facts : On XX/XX/XXXXXX/XX/XXXXAffiant provided Respondent with a Notice and Demand/Cease and Desist regarding Account Number : XXXX stating, Please attach a copy of any signed agreement debtor has made with debt collector, or other verifiable proof that debtor has a contractual obligation to pay debt collector { Complaint ID XXXX } ; On XX/XX/XXXX, Respondent stated, The incorrect account will remain on your credit report { Report Number XXXX } ; As of today, Respondent has failed to respond to Affiants notice/request for proof of validation regarding Account Number : XXXX. 

ii. Who is XXXX? It would appear as though XXXX has sold Account Number : XXXX, to you, a third party debt collector, and you are participating in fraud. Since there can be no signature on the documents you may have concerning Affiant, who is accountable for this contract Affiant is being offered? If you can state your claim and provide that contract Affiant has with either you, the original creditor, or the third party debt collector, whereas there is a wet ink signature from the Affiant and someone from either you, the original creditor, or the third party debt collector, Affiant is willing to settle this alleged account ; Take notice of the following undisputed facts : On XX/XX/XXXX, Affiant provided Respondent with a Notice and Demand/Cease and Desist regarding Account Number : XXXX stating, Please attach a copy of any signed agreement debtor has made with debt collector, or other verifiable proof that debtor has a contractual obligation to pay debt collector { Complaint ID XXXX } ; On approximately XX/XX/XXXX, Respondent stated, The incorrect account will remain on your credit report { Report Number XXXX } ; As of today, Respondent has failed to respond to Affiants notice/request for proof of validation regarding Account Number : XXXX. 

iii. Who is XXXX? It would appear as though XXXX has sold Account Number : XXXX, to you, a third party debt collector, and you are participating in fraud. Since there can be no signature on the documents you may have concerning Affiant, who is accountable for this contract Affiant is being offered? If you can state your claim and provide that contract Affiant has with either you, the original creditor, or the third party debt collector, whereas there is a wet ink signature from the Affiant and someone from either you, the original creditor, or the third party debt collector, Affiant is willing to settle this alleged account. 

Take notice of the following undisputed facts : On XX/XX/XXXX, Affiant provided Respondent with a Notice and Demand/Cease and Desist regarding Account Number : XXXX stating, Please attach a copy of any signed agreement debtor has made with debt collector, or other verifiable proof that debtor has a contractual obligation to pay debt collector { Complaint ID XXXX } ; On XX/XX/XXXX, Respondent stated, The incorrect account will remain on your credit report { Report Number XXXX } ; As of today, Respondent has failed to respond to Affiants notice/request for proof of validation regarding Account Number : XXXX. 

iv. Who is XXXX? It would appear as though XXXX has sold Account Number : XXXX, to you, a third party debt collector, and you are participating in fraud. Since there can be no signature on the documents you may have concerning Affiant, who is accountable for this contract Affiant is being offered? If you can state your claim and provide that contract Affiant has with either you, the original creditor, or the third party debt collector, whereas there is a wet ink signature from the Affiant and someone from either you, the original creditor, or the third party debt collector, Affiant is willing to settle this alleged account. 

Take notice of the following undisputed facts : On XX/XX/XXXX, Affiant provided Respondent with a Notice and Demand/Cease and Desist regarding Account Number : XXXX stating, Please attach a copy of any signed agreement debtor has made with debt collector, or other verifiable proof that debtor has a contractual obligation to pay debt collector { Complaint ID XXXX } ; On XX/XX/XXXX, Respondent stated, The incorrect account will remain on your credit report { Report Number XXXX } ; As of today, Respondent has failed to respond XXXX Affiants notice/request for proof of validation regarding Account Number : XXXX. 

v. Who isXX/XX/XXXXXXXX It would appear as though XXXX XXXXXX/XX/XXXX has sold Account Number : XXXX, to you, a third party debt collector, and you are participating in fraud. Since there can be no signature on the documents you may have concerning Affiant, who is accountable for this contract Affiant is being offered? If you can state your claim and provide that contract Affiant has with either you, the original creditor, or the third party debt collector, whereas there is a wet ink signature from the Affiant and someone from either you, the original creditor, or the third party debt collector, Affiant is willing to settle this alleged account. 

Take notice of the following undisputed facts : On XX/XX/XXXX, Affiant provided Respondent with a Notice and Demand/Cease and Desist regarding Account Number : XXXX stating, Please attach a copy of any signed agreement debtor has made with debt collector, or other verifiable proof that debtor has a contractual obligation to pay debt collector { Complaint ID XXXX } ; On XX/XX/XXXX, Respondent stated, The incorrect account will remain on your credit report { Report Number XXXX } ; As of today, Respondent has failed to respond to Affiants notice/request for proof of validation regarding Account Number : XXXX. 

vi. Who is XXXX XXXX XX/XX/XXXX? It would appear as though XXXX XXXXXX/XX/XXXX has sold Account Number : XXXX, to you, a third party debt collector, and you are participating in fraud. Since there can be no signature on the documents you may have concerning Affiant, who is accountable for this contract Affiant is being offered? If you can state your claim and provide that contract Affiant has with either you, the original creditor, or the third party debt collector, whereas there is a wet ink signature from the Affiant and someone from either you, the original creditor, or the third party debt collector, Affiant is willing to settle this alleged account. 

Take notice of the following undisputed facts : On XX/XX/XXXX, Affiant provided Respondent with a Notice and Demand/Cease and Desist regarding Account Number : XXXX stating, Please attach a copy of any signed agreement debtor has made with debt collector, or other verifiable proof that debtor has a contractual obligation to pay debt collector { Complaint ID XXXX } ; On XX/XX/XXXX, Respondent stated, The incorrect account will remain on your credit report { Report Number XXXX } ; As of today, Respondent has failed to respond XXXX Affiants notice/request for proof of validation regarding Account Number : XXXX. 

vii. Who is XXXX XXXX XXXX? It would appear as though XXXX XXXX XXXX has sold Account Number : XXXX, to you, a third party debt collector, and you are participating in fraud. Since there can be no signature on the documents you may have concerning Affiant, who is accountable for this contract Affiant is being offered? If you can state your claim and provide that contract Affiant has with either you, the original creditor, or the third party debt collector, whereas there is a wet ink signature from the Affiant and someone from either you, the original creditor, or the third party debt collector, Affiant is willing to settle this alleged account. 

Take notice of the following undisputed facts : On XX/XX/XXXX, Affiant provided Respondent with a Notice and Demand/Cease and Desist regarding Account Number : XXXX stating, Please attach a copy of any signed agreement debtor has made with debt collector, or other verifiable proof that debtor has a contractual obligation to pay debt collector { Complaint ID XXXX } ; On XX/XX/XXXX, Respondent stated, The incorrect account will remain on your credit report { Report Number XXXX } ; As of today, Respondent has failed to respond XXXX Affiants notice/request for proof of validation regarding Account Number : XXXX. 

XXXX. Who is XXXX XXXX XXXX? It would appear as though XXXX XXXX XXXX has sold Account Number : XXXX, to you, a third party debt collector, and you are participating in fraud. Since there can be no signature on the documents you may have concerning Affiant, who is accountable for this contract Affiant is being offered? If you can state your claim and provide that contract Affiant has with either you, the original creditor, or the third party debt collector, whereas there is a wet ink signature from the Affiant and someone from either you, the original creditor, or the third party debt collector, Affiant is willing to settle this alleged account. 

Take notice of the following undisputed facts : On XX/XX/XXXX, Affiant provided Respondent with a Notice and Demand/Cease and Desist regarding Account Number : XXXX stating, Please attach a copy of any signed agreement debtor has made with debt collector, or other verifiable proof that debtor has a contractual obligation to pay debt collector { Complaint ID XXXX } ; On XX/XX/XXXX, Respondent stated, The incorrect account will remain on your credit report { Report Number XXXX } ; As of today, Respondent has failed to respond to Affiants notice/request for proof of validation regarding Account Number : XXXX. 

As of today, Respondent has failed to provide Affiant with a benefit for use of Her property and personally identifiable information, including but limited to Affiants credit card number and XXXX XXXX -XX/XX/XXXXXXXX NAME or VESSEL. 

Despite Affiants repeated efforts to correct these inaccuracies, Respondents dispute resolution process has been insufficient, resulting in sham investigations and the continued presence of erroneous information on Affiants credit report.

Despite providing all necessary documentation and following the proper procedures, Respondent has failed to properly investigate Affiants dispute and did not remove the incorrect information from Her credit report. This failure to conduct a thorough and accurate investigation is consistent with the issues highlighted in the recent Consumer Finance Protection Bureau lawsuit against Respondent for XXXX XXXX XXXX Consumer Financial Protection Bureau vs Experian Information Solutions , Inc., Case Number : 8:25-cv-24 }. 

The Consumer Finance Protection Bureaus lawsuit against Respondent underscores the inadequate handling of consumer disputes and the failure to ensure the accuracy of credit reports. Respondents practices have caused significant harm to Affiants credit score, financial well-being, and ability to access credit, employment, and housing.

Affiant respectfully authorizes Respondent to conduct a thorough and accurate investigation into Her dispute ( s ), correct the inaccuracies on Her credit report, and improve its dispute resolution process to prevent similar issues in the future. Affiant believes that Respondents practices violate the Fair Credit Reporting Act and the Consumer Financial Protection Act, and is seeking redress for the harm caused by these violations. 

Owe no man any thing, but to love one another : for he that loveth another hath fulfilled the law. { XXXX XXXX, XXXX XXXX XXXX } '' As of today I have not received a remedy in 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