Consumer complaint received 2022-09-18
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX sent me several letters stating that the accounts that I previously disputed were not on my credit report however upon checking my credit report on XX/XX/XXXX it shows that XXXX is still on my credit report and that it is a closed collection account. they stated that the accounts I disputed were not on my report, so why am I still seeing XXXX on my XXXX consumer report? I have not given them nor the creditor permission to furnish this account on my credit report also this shows that this is a collection account how can this be a debt that I owe if this debt was already paid for upon my signature and my social security number. I have blindly been paying that debt twice, I will let XXXX know that I am aware of their fraudulent and bad business practices. I now demand XXXX to, immediately upon notice of this billing error, delete the account from my consumer XXXX credit report. This account has been deleted by XXXX XXXX and Experian because theyre investigation determined that it was never supposed to be on my consumer report to begin with. So why didnt XXXX delete the account along with the other two bureaus??? When one bureau delete something they communicate or are supposed to communicate their investigation results with the other bureaus so that the other bureaus can go ahead and delete the accounts as well. Their investigation determined that the account should not have been on my report so why am I seeing this on my XXXX consumer report still? When in fact they told me that it had been deleted and that it was not on there anymore see attachments below. 

To whom it may concern ( CEO/Person of highest authorities ), I, XXXX XXXX , The consumer and obligor has noticed a billing error. The creditor has failed to give me proper notice of this billing error several times. I have noticed every account statement is in invoice of indebtedness, also having a coupon/check attached to it. On this invoice the creditor is attempting to collect a debt that has already been paid. They claim that this is a debt that I owe. How is that possible if the amount that they're asking for isn't a negative balance? And how is it possible that this debt is still owed when my signature on my application is payment of the debt? I, XXXX XXXX ( the obligor and consumer ) I am giving proper notice of this billing error. This is my final attempt to clear and dismiss of any debt that the creditor claims that I owe. According to 15 USC 1666b " timing of payments '' states " A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. '' The creditor has failed several times to provide me ( the consumer/obligor ) with each periodic statement and information required by section 1637 ( b ) of title 15 USC 1666b . The creditor has not gave me proper notice within 21 days of the payment due date as required by 15 USC 1666b. What is a late payment? And how can that payment be late or past due if it is not a negative balance? How can a late, missed, or past due balance exist if my signature on my application for credit is payment of the debt? According to 15 USC 1666d " Treatment of credit balances '' States " Whenever a credit balance in excess of {$1.00} ( see attachments for full quote ) Every account statement has failed to demonstrate indebtedness. For example if I borrow {$20000.00} shouldn't my account statement show a negative $ XXXX? And every time I make a payment it would reduce that amount bringing the negative balance closer to {$0.00}? None of the account statements show a negative balance, only a positive balance. According to the law a positive balance means that there is a surplus. This " debt '' that the creditor claims I owe does not belong to me. According to 18 USC section 8 " Obligation or other security of the United States defined '' States " The term " obligation or other security of the United States '' includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceledUnited States stamps. '' All debts public and private are an obligation of the united states. The creditor claims that I owe/owed this debt but what exactly am I paying for if the debt has already been paid for with my signature? The obligation has already been paid for. So why are they claiming that I owe/owed this debt? This billing error notice is also a notice of request for refund by I, XXXX XXXX ( the consumer/obligor ). According to 15 USC 1666d section A, section B, section C, States " A ) credit the amount of the credit balance to the consumer 's account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumer 's current location is not known by the creditor and can not be traced through the consumer 's last known address or telephone number. '' I am now requesting a refund of ALL payment paid AND dismissal and discharge of this debt. I XXXX XXXX ( the consumer/obligor ) I am also requesting that the accounts be ceased and desist IMMEDIATELY. I have blindly paid this debt twice. The creditor XXXX has fraudulently and illegally double dipped on payment of this debt. The creditor has furnished I, XXXX XXXX ( the consumer/obligor ) with deceptive forms several times ( See attachment A ( s ) ) creating a false belief that I owe this debt. According to 15 USC 1692J Furnishing certain deceptive forms '' States " It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. ( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector The creditor has been racketeering and extorting money out of I, XXXX XXXX ( the consumer/obligor ) several times. This is totally illegal and they could go to jail for this. According to 18 USC 1961 " Definitions '' States 1 ) " racketeering activity '' means ( A ) any act or threat involving murder, kidnapping, gambling, arson, robbery, bribery, extortion, dealing in obscene matter, or dealing in a controlled substance or listed chemical ( as defined in section 102 of the Controlled Substances Act ), which is chargeable under State law and punishable by imprisonment for more than one year ; ( B ) any act which is indictable under any of the following provisions of title 18, United States Code : Section 201 ( relating to bribery ), section 224 ( relating to sports bribery ), sections 471, 472, and 473 ( relating to counterfeiting ), section 659 ( relating to theft from interstate shipment ) if the act indictable under section 659 is felonious, section 664 ( relating to embezzlement from pension and welfare funds ), sections 891-894 ( relating to extortionate credit transactions ), section 932 ( relating to straw purchasing ), section 933 ( relating to trafficking in firearms ), section 1028 ( relating to fraud and related activity in connection with identification documents ), section 1029 ( relating to fraud and related activity in connection with access devices ), section 1084 ( relating to the transmission of gambling information ), section 1341 ( relating to mail fraud ), section 1343 ( relating to wire fraud ), section 1344 ( relating to financial institution fraud ), section 1351 ( relating to fraud in foreign labor contracting ) '' However, I am willing to overlook this matter AS LONG AS ALL of my request are resolved AND completed within 5 days of receiving this notice. 
According to 15 USC 1666a " regulations of credit reports '' States, " ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title ( see attachments for full quote ) If my request is not resolved AND completed within the given time frame above, I will take this to higher authorities. The creditor now has 5 days within receiving this notice to refund me, clear/dismiss the debt, and cease and desist of the account. XXXX ( the creditor ) has also illegally stole my identity and sold it to several third parties. ( All attachments are considered " Attachment A '' ) These attachments show SEVERAL BAD BUSINESS PRACTICES/VIOLATIONS. There are about a total of 10-12 violations. I have been more than patient and nice trying to solve this with XXXX. They have failed to comply several times. Now is not the time for investigation for EITHER XXXX & XXXX!!!!!!!!!!!!!!!!!!!!!!!!!!! 
Now is the time to PAY ME!! According to the laws. Iate, past due, or due payments do not exist. It is illegal for a credit to make you pay debt twice especially on your own extension of credit from your Cestui Que Trust i currently have a lawsuit undergoing against XXXX and all three credit bureaus. They have also illegally sold this debt to several different debt collectors which is CLEARLY ILLEGAL AND FRAUD!!!! They have sold my identity several times!! ( see attachments below! 
Now is time they settle with my request before this could get really bad for them! I am not being nice anymore. 
XXXX also deleted accounts that i never gave them permission to delete!!! These were POSITIVE ACCOUNTS helping my credit score. I never disputed these accounts but they deleted them anyways. XXXX need to do any and everything in their power to get these accounts back on my credit report immediately ( see image below ) XXXX XXXX XXXX XXXX XXXX 

Ive locked and placed a security freeze on all accounts with all snitches so how is it that every time the bureaus complete an investigation they determined that things were accurate Ive asked them where and how do they verify the information they proceeded to tell me XXXX XXXX or clarity systems how is it possible that they are verifying information through XXXX XXXX and clarity systems if when in fact Ive placed a security freeze on all of the sources. There is clearly some fraudulent activities going on with the bureaus and this is illegal accommodate all of my request and I will leave them alone but if they dont they will pay!! 

I AM NOT MY STRAWMAN I AM NOT MY SOE!!!!!!!!!! 

Kind Regards, Natural person and consumer XXXX : XXXX UCC 1 308.4 Without prejudice/recourse

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