Consumer complaint received 2024-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Subject : Demand for Correction and Removal of Unauthorized Information Greetings, I, XXXX XXXX XXXX, a natural person, am writing to address several urgent concerns regarding my credit file managed by your bureau. 

Lack of Contractual Agreement : I have no knowledge of or benefit from any contractual agreement with your company. Under the principles of contract law, no contract exists between us, and therefore, any dealings or records you maintain are unauthorized and inaccurate. 

Inaccurate Credit Files : The credit files you manage do not display itemized inclusions of what is being reported. According to the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to ensure the accuracy and completeness of credit reports. This omission constitutes a breach of my privacy rights as outlined in the Privacy Act of 1974. 

Unauthorized Use of Personal Information : You are not authorized to use my Social Security Number ( SSN ) for your public company purposes. This unauthorized use infringes upon my privacy and constitutes a violation of my rights under the Privacy Act of 1974. As the sole beneficiary and holder in due course of my birth certificate, which proves my intellectual property rights to my family name, I demand the return of all representations of my SSN and related contracts. 

Demand for Correction : All negative items must be changed to positive and marked as paid as agreed. Specifically, mortgage information from XXXX XXXX XXXX XXXX XXXX  must be removed immediately. You are required to perform your duty as a public fiduciary concerning all matters of my estate, as noted by XXXX XXXX in his final civil order. 

Verification of Accounts : Credit companies must verify their claims by demonstrating account receivables and payables. Original handwritten documents, such as promissory notes, must be provided to prove the existence of any original contracts. False and deceptive practices that mislead consumers into believing they received something of value without adequate consideration are unacceptable. 

XXXX XXXX Account : XXXX XXXX has an arbitration clause that was improperly enforced when they closed my account without my authorization. They incorrectly reported the closure as a request from the grantor, which is false and misleading. My intention was to settle the account via tender of true payment using a negotiable instrument, which they denied, violating the Uniform Commercial Code ( UCC ) provisions on negotiable instruments. 

Legal Obligations and Remedies : You must immediately change all negative reporting to reflect paid as agreed with no missed payments. Failure to do so will result in penalties for misuse and defamation of character, with unauthorized use of my private information incurring a minimum fine of {$500000.00} per incident. I hereby revoke any power of attorney, as it was not clearly granted to any party. All power of attorney is strictly restricted to changing the status of the beneficiary in all agreements to the living man, natural person XXXX XXXX XXXX. 

This action must be completed within ten ( 10 ) business days. Failure to comply will result in legal action seeking equitable relief in a court of law. 

Sincerely, 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