Consumer complaint received 2025-09-08 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: IN

Complaint narrative:
FINAL NOTICE OF ENFORCEMENT IN EQUITY To : Experian, Equifax, TransUnion Via : CFPB Complaint Portal & Direct From : XXXXXXXX XXXX Irrevocable Living Trust ( Trustee ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : ENFORCEMENT OF BILL IN EQUITY, FIDUCIARY CLAIM & FINAL DEMAND FOR PERFORMANCE This Notice is issued under the authority of the XXXXXXXX XXXX Irrevocable Living Trust and jurisdiction, fiduciary standing, and constitutional rights against unlawful and inaccurate reporting of an account related to XXXX XXXX XXXX XXXX XXXX  ). 



FACTUAL EVIDENCE ( Recorded & Certified ) 1. XXXX  Report Certified and recorded with the County Recorder. This document confirms that the lien balance was satisfied and the account was paid off / discharged. This establishes that no valid encumbrance remains. 
2. UCC Financing Statement Perfected and recorded, establishing the Trusts fiduciary lien rights and custodial control over the securities and instruments derived from this account.

3. Bill in Equity Certified and recorded. This instrument tendered full settlement, demanded title release, and required recognition of the Trust as holder in equity.

These documents form an enforcement package and serve as prima facie evidence that the debt has been discharged, the lien has been satisfied, and the account is under fiduciary claim.

DEMANDS FOR PERFORMANCE ( 9 Days From Notice ) Pursuant to equity, trust law, and constitutional protections against unlawful deprivation of property, each Credit Bureau is required to : 1. Correct and update the consumer credit file to reflect a {$0.00} balance / lien satisfied for the XXXX XXXX account. 
2. Cease all reporting of derogatory or inaccurate information connected to the discharged account.

3. Acknowledge and record the Trusts fiduciary interest as established under perfected UCC lien.

4. Pay civil money penalties of {$56000.00} USD for continued reporting of false, misleading, and injurious information despite notice and settlement in equity.

NOTICE OF NON-PERFORMANCE If these demands are not fully performed within 9 days of this Notice, the Trusts will : Have this Notice notarized and filed with the Clerk of Court as evidence of willful breach.

Pursue immediate remedies in equity before a XXXX XXXX XXXX, seeking specific performance, injunction, and damages. 
Escalate enforcement to the SEC, CFPB, FTC, and additional regulatory authorities. 



CONCLUSION Equity regards as done that which ought to have been done. The XXXX Report proves conclusively that the lien was satisfied. The UCC lien proves the Trusts perfected fiduciary standing. The Bill in Equity proves that lawful settlement was tendered. 

The Credit Bureaus are hereby placed on final notice. Non-performance will be taken as willful dishonor and breach of equitable duty. 



Respectfully Submitted, XXXX XXXX, XXXX / Fiduciary XXXXXXXX XXXX Irrevocable Living Trust

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