Consumer complaint received 2025-06-18 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: GA

Complaint narrative:
To : Chief Financial Officer and Chief Executive Officer From : XXXX XXXX XXXX, Executor and Secured Party Creditor RE : Final Notice and Legal Demand for Compliance under UCC, ASC, GAAP, and Constitutional Law Date : XX/XX/XXXXXXXX  I, XXXX XXXX XXXX, am the Executor of the Estate, the Secured Party Creditor, the Grantor, and the Trustee of my Irrevocable Living Trust. I am not a consumer or a debtor. I have lawfully and legally filed a UCC-1 Financing Statement, thereby establishing my standing under UCC Law. As such, I maintain full legal rights to reclaim, correct, and discharge all debts associated with my name, estate, and account identifiers, without third-party interference. 

Under UCC 1-103, 1-201, 3-501, 9-210, 9-609, and 9-621, I assert my right to : Reclaim and secure my private accounts and estate, Discharge alleged debts through the Department of Treasury in accordance with HJR-192 of June 5, 1933 , Utilize lawful money backed by gold and silver, and Reject and nullify any unauthorized activity against my estate or personal property by corporate entities or unauthorized agents. 


Let it be known that Federal Reserve Notes are fiat currency, defined as debt instruments and not lawful money. Under Title 31 U.S.C. 5112 and 5118, the only constitutionally recognized lawful money is gold and silver coin.

As I have previously communicated via certified mail with return receipts, and delivered documentation including but not limited to : UCC-1 Financing Statement Trust documents Affidavit of Truth and Status Cease and Desist letters Notices to the Secretary of State and Department of Treasury All of which have either been ignored or mishandled in violation of fiduciary responsibilities, data privacy laws, and contractual obligations.

Additionally : A Police Report and FTC Fraud Report have been filed.

All further harassment, misrepresentation, or unauthorized attempts to collect or report any unverified debt will be treated as willful fraud, misrepresentation, and trespass on the estate. 


If any representative acts upon this matter without full knowledge of these laws, due process, or without proper legal authority, it will be taken as clear evidence that this matter is being mismanaged and further criminal activity is being committed. 

Let it be known : This serves as FINAL NOTICE. If I continue to receive any form of harassment, identity tampering, or financial disruption due to your failure to follow established legal processes, I will proceed with legal action. 

Remedy Demanded : 1. Immediate cessation of all adverse reporting and attempts to collect.

2. Removal of all unverifiable debt entries from all bureaus within 10 business days.

3. Full audit and correction of all unauthorized use of my personal information. 



If these remedies are not provided, I will initiate a civil lawsuit, with a penalty demand of {>= $1,000,000} per violation, for : Breach of fiduciary duty Identity misuse Fraudulent debt creation Negligent and willful disregard for UCC and constitutional law Governing Codes Cited ( but not limited to ) : UCC 1-103, 1-201, 3-501, 3-603, 9-210, 9-609, 9-621 HJR-192 ( 1933 ) Title 31 U.S. Code 5112, 5118 Fair Credit Reporting Act ( FCRA ) Fair Debt Collection Practices Act ( FDCPA ) Title 15 U.S.C. 16011693 Title 42 U.S.C. 408 ( Fraudulent Use of SSN ) Truth in Lending Act ( TILA ) Gramm-Leach-Bliley Act ( GLBA ) This document shall serve as legal notice and demand. Keep this on record, as it will be used as evidence in litigation should noncompliance continue.

Sincerely, XXXX XXXX XXXX XXXX of the Estate | Secured Party Creditor Trustee and Grantor of Irrevocable Trust P.S. I'm sending a notice in the couple weeks with more legal documents. I don't need no representative telling I'm a consumer when my documents say otherwise. I'm not dead I'm alive and I'm not no corporation especially when I was giving certificate of live birth and not a birth contract. Do y'all job then I won't complain. Next I would have to get the attorney general and secretary of state involved.

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