Consumer complaint received 2025-04-23 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: LA

Complaint narrative:
this formal complaint against XXXX  regarding their mishandling of my account, repeated violations of my rights under both federal debtcollection and commercial law, and their ongoing harassment in attempting to collect a debt that is effectively discharged. 

XXXX. XXXX XXXX XXXX Definition of Loan & Promissory Note Rights According to * * XXXX XXXX XXXX * *, a * * loan * * is : XXXX A lending of money or property, evidenced by a * * promissory note * *, in which the borrower promises to repay the lender according to agreed terms. 

The * * promissory note * * I executed with the original servicer is the * * negotiable instrument * * that embodies my obligation. Under * * UCC Article 3 * *, the note must be returned to me upon full discharge of the debtor, if destroyed or sold, I am entitled to * * like-kind value * * ( i.e., equivalent cash compensation ).

2. Violations of the Uniform Commercial Code ( UCC ) - * * UCC 3-501 ( b ) ( 2 ) ( Presentment ) : * * I demand XXXX  produce the * * original promissory note * *. Their failure to present the note or evidence of lawful assignment proves the debt is discharged.

- * * UCC 3-305 ( a ) ( Discharge by Payment ) : * * Once payment or settlement is made, the obligation is * * discharged * *, and no further performance is due. XXXX continued attempts to collect contradict this rule. 
- * * UCC 1-308 ( Reservation of Rights ) : * * I expressly reserve all rights under UCC 1-308 . I do not waive any defenses or claims by filing this complaint.

3. Violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.

- * * 1692d Harassment : * * XXXX  calls me * * at least four times daily * *, often early morning and late evening, in direct violation of the prohibition against harassing conduct.

- * * 1692e False or Misleading Representations : * * They repeatedly assert I owe a balance despite the accounts closed/discharged statusmisleading and deceptive.

- * * 1692g Validation of Debts : * * I have requested * * validation of this debt * * multiple times over four months, yet they have failed to provide proper documentation or validation required by law.

4. Consumer Harm & Attempts at Amicable Resolution- I have * * disputed this account for nearly four months * *, seeking only clarity and compliance.

- XXXX  has * * closed, reopened * *, and changed the account status multiple times, without explaining why I still owe money.

- Their * * persistent calls * * have caused undue stress, wasted time, and invaded my privacy.

1. * * Return of Promissory Note or Like-Kind Value : * * - Produce the original note immediately.

- If destroyed or sold, compensate me with * * cash equal to the notes value * * under UCC Article 3.

2. * * Debt Discharge & Account Deletion with Prejudice : * * - Update the account on my credit reports to * * Paid in Full * * or * * delete it entirely with prejudice * * from Experian, Equifax, and TransUnion.

3. * * Cease All Collection & Harassment : * * - Stop all calls and collection efforts in violation of FDCPA 1692d and 1692e.

4. * * Compensation for Damages : * * - I seek * * monetary relief * * for emotional distress, lost productivity, and any financial costs Ive incurred trying to resolve this matter.

XXXX  actions constitute willful noncompliance with the * * UCC * *, * * FDCPA * *, and my basic contractual rights. I respectfully request that the CFPB investigate this complaint, enforce all applicable laws, and ensure XXXX  provides the relief and compensation I am entitled to under U.S. law.

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