Consumer complaint received 2019-08-23
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am filing this complaint on all three credit bureaus for their involvement in an illegal involving many state and federal government employees, numerous ordinary individuals, employees at all three credit bureaus, XXXX and its XXXX XXXX services, XXXX  and apps, XXXX and XXXX and numerous officers of the courts. I am the targeted individual because of what I know and what I have already proven by documented evidence from Georgia, Illinois and Indiana. I will complete that which XXXX has ordained me to complete. 

I have attempted to correct illegal and incorrect information on my credit report for many years. I have retained some of the reference numbers and confirmation numbers issued by the credit bureaus : XXXX XXXX XXXX File # XXXX, which consist of my complaints against XXXX  XXXX, XXXX and XXXX XXXX XXXX, XXXX # XXXX, XXXX XXXX # XXXX, Experian # XXXX, XXXX # XXXX. All of my complaints have gone without a resolution. 

All three credit bureaus received and stored alleged negative credit information on my credit file, without requiring the furnisher of information to provide legal proof of the negative credit information. All three credit bureaus participated in the electronic data manipulation of my private and personal information, which is ongoing today, especially within all of my email accounts, and my complaints filed with Consumer Financial Protection Bureau. All mentioned above have also engaged in altering electronic information within colleges I attended and within data submissions I completed, most recently, while I completed testing at XXXX in XXXX, Indiana. 

XXXX  XXXX XXXX XXXX, continued to file negative credit information in my credit file, while knowing they had no legal right to do so. See first Exhibit attached, which is my copy of the Vehicle Sales Agreement which reveal no lienholder/creditor. I filed a civil action against XXXX XXXX, et al, in the XXXX   District Court of XXXX, with Chief Judge XXXX XXXX presiding, Case # ,1:15-cv-00826-JMS-TAB. Facts and evidence, with this action supports that Judge XXXX XXXX, along with numerous government employees have aided all named Defendants, while denying all my motions to add additional needed defendants to the action. All legal documents I filed in this action was ignored by the Chief Judge and XXXX XXXX was allowed to walk away with clean hands even though their hands are still full of mud from illegal activities relating to this case and involving my life and my chosen liberties. 

The Exhibits are : Plaintffs Exhibit Loyal 2, is a document produced by XXXX XXXX, et al, with a false altered date, entered at the top left side- Order Date : XXXX. XXXX XXXX, et al, produced this fraudulent document from Ars-Iprstaging  and stated this document is the date the Order to Repossess was initiated for my XXXX XXXX XXXX to be Repossessed in XX/XX/XXXX. If you would move down to almost the very end of this document, you will notice the Copyright 2016 Recovery Database Network.  The Copyright clearly reveal this document was created in XXXX, then illegally backed dated to XXXX. This is a crime of spoliation, with the altering of metadata, to willfully commit fraud. Judge XXXX aided in this criminal matter by illegally dismissing my Title VII federal action with prejudice. The next Exhibit B, is one of many denials of credit I received, because of the negative credit information reported by XXXX XXXX, et al to the credit bureaus. God directed me to wait and become educated on Paralegal Courses, I recently completed, whereby the study of spoliation and metadata maniipulation, which is the illegal alterations of electric data history, so that I would gain accurate knowledge of what has been perpetrated against me and why. Exhibit G, is a partial copy of the credit report, which was also filed in my civil action against XXXX XXXX, et al, which reveals, the fraudulent information the credit bureaus allowed to be added to my credit history file. Exhibit D is a collection letter I received from XXXX XXXX XXXX XXXX XXXX, which is their attempt to collect on a fraudulent debt created by XXXX  XXXX, et al. Exhibit H is another partial credit report, again revealing XXXX XXXX, et al- false information added to my credit file. I fought for years, by requesting the credit bureaus remove this false information from my credit file, to no avail. The recently in XXXX, after Judge XXXX fraud upon the court by allowing XXXX XXXX, et al and the City of XXXX to receive favorable rulings based upon this fraud. 

From the documents I have submitted, it is clear that a legal creditor/debtor relationship never existed between XXXX XXXX, et al and XXXX XXXX. All three credit bureaus failed to protect my credit history from illegal entries. All three credit bureaus failed to maintain a complete credit history for XXXX XXXX. The credit bureaus failed to maintain a complete credit file to sustain my residency in XXXX, XXXX   for many years before relocating to XXXX. I paid off a mortgage at XXXX XXXX XXXX, XXXX, XXXX, prior to my move to XXXX in XXXX. XXXX XXXX credit report # XXXX, reveal my XXXX employment with the City of XXXX, XXXX  but nothing is mentioned that I paid off my mortgage at XXXX XXXX XXXX, XXXX, XXXX. Yet, my credit history has never revealed this payoff, never revealed my accurate credit history. My credit score has never changed from 400-500, until XX/XX/XXXX, with the numerous inquiries by XXXX XXXX and the credit bureaus scheming with XXXX  XXXX to alter my credit score now- because they know I am reaching out to Washington , DC to seek the federal governments aid in this entire matter. 

From my submissions, you can see that I filed numerous complaints, over several years, with all three credit bureaus, with no resolution and with all three credit bureaus ignoring all of my complaints against XXXX  XXXX, et al, XXXX, XXXX and especially IRS, for their numerous tax liens filed against me in XXXX County XXXX for many years, including a fraudulent garnishment of my wages back in XXXX. 

As stated above, in XX/XX/XXXX, XXXX XXXX, et al, made numerous hits to my credit file, without my knowledge or legal authority to do so. My credit score went up to XXXX as stated by the screen shot attached from Experian. Experian increased my credit score on XX/XX/XXXX. I did nothing to receive this increase in XXXX. 

Since the civil conspiracy against me, is still ongoing, all parties mentioned, as well as other entities and individuals, not yet mentioned, are all equally liable- up to the completion of the last illegal act in the perpetrated civil conspiracy against me which is still ongoing to this date. 

This complaint follows my two previously submitted complaints on XXXX and XXXX to CFPB and CFPB Ombudsman. It appears the conspirators are illegally, by electronic means, interfering with this complaint process, as well. Whereby, electronic data manipulation is evident and I will continue to do everything in the powers that God has given me to expose the cult and their electronic data fraud. I have been the target of electronic data manipulation for years but I gained accurate knowledge of the cult like activities while I was employed at XXXX XXXX XXXX. It was at the center that XXXX targeted me by manipulating my data from XXXX to present. 

I am requesting an investigation on all three credit bureaus on all stated matters, relating to my credit history and credit score being illegally altered, and deliberately kept at a low credit score since the early XXXX. This credit conspiracy against me, has resulted in poor credit ratings, denial of credit and denial of sustainable employment, spanning many years back. I also request that each individual, employed within all three credit bureaus, who are involved in this civil conspiracy, be held accountable, along with XXXX, who appear to be leading the electronic data manipulation conspiracy upon the " world '', It appears their electronic data manipulation has gone undetected and under the radar of government agencies, until NOW.

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