Consumer complaint received 2022-07-17
Company: Experian Information Solutions Inc.
State: AZ
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:
I have strong reason to believe that as Federally Protected Consumer my Consumer Rights are being Violated. I have properly notified the company 's in writing multiple attempts in XXXX, XXXX, XXXX XXXX XXXX, XX/XX/XXXX of Billing Error disputes under the Truth In Lending Act of Credit Billing Errors in 15 USC 1666. Even after pointing out the FEDERAL LAW and it CLEARLY STATES UNDER 18 US CODE 8 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 canceled United States stamps. I have requested my refund for claim of credit balances. But I do not owe any debt to these companies the UNITED STATES clearly has covered the payments PER LAW 18 US CODE 8 and the billing statements that come to me in the mail are positive statements showing balance in the positive and what the company actually owes me but by me making payments on these accounts they have received DOUBLE ENRICHMENT and I have created a credit excess of the original obligation PAID ALREADY BY THE UNITED STATES. I have created a credit balance of excess of {$1.00} with my signature on the documents AND the debt is already payed for per LAW. US CONGRESS states I have the right TO NOT PAY something that has already been payed by the UNITED STATES because its THERE obligation. The company 's MUST refund me cash, money order, check, any part of the amount balance in the account no more than 6 months REQUIRED BY LAW .I need the CFPB to step in and help enforce my Consumer Rights from being Violated and get my claim credit balances back from these company 's. It appears there's furnishing of certain deceptive forms by telling me I owe a debt, thru phone calls, mail, and damaging my credit worthiness by putting negative information " late payments, charge offs on my consumer reports, and continuously stating I owe a debt when clearly PER LAW 18 US CODE 8 The United STATES has the obligation of debt and has already payed and under 15 US 1692J " 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. '' And the only thing I can assume why these company 's are coercing me into fictitious obligation that I owe debts that I obviously don't owe when the UNITED STATES holds the debt obligation per 18 US CODE 8 and if there is unwillingness to refund my claim of credit balances in excess of {$1.00} when the " Obligation '' has been already been covered by the UNITED STATES these company 's that I will list below can only comply with the FEDERAL LAW or I can only come to the conclusion that 18 US CODE 1961 is being performed on me by these companies. Here are company names with account information that are Violating my Consumer Rights. 
XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXXXXXX 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