Consumer complaint received 2023-12-05
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
As further proof that my character is being defamed and that my rights are intentionally being violated under the FCRA, I direct your attention to the following evidence. In XX/XX/XXXX, via certified mail, I accepted XXXX 's presentment for value and sent their corporate office in Ohio a notice of acceptance for value as per HJR 192 of 1933. XXXX received authorization from me to discharge the entire account balance through the XXXX XXXX since 18 USC 8 states that all debts are obligations of the Treasury. XXXX received the negotiable instrument ( s ) 1099A and the remittance coupon which stated money order. XXXX did not return the instuments, they did not respond, and they did not properly discharge the balance. XXXX then received via certified mail in XX/XX/XXXX a " NON-NEGOTIABLE NOTICE OF ACCEPTANCE OF CREDIT ISSUED ''. The non-negotiable notice informed XXXX that if they did not respond with a notice of dishonor from a qualified third party such as the XXXX XXXX, then they would agree to discharge the entire balance and they would also owe me {$20000.00}. Of course XXXX did not comply and so I gave them a second opportunity to provide the notice of dishonor via a " NON-NEGOTIABLE NOTICE OF FAULT AND OPPORTUNITY TO CURE '' that was sent via certified mail in XX/XX/XXXX. Due to XXXX 's refusal to respond, they automatically accepted the terms and conditions set forth in the previous notices. In XX/XX/XXXX XXXX received via certified mail a " NON-NEGOTIABLE NOTICE OF DEFAULT IN DISHONOR AND ESTOPPEL '' in which they were specially forbidden or estopped from posting any negative reporting with the credit reporting agencies. Also since XXXX as a financial institution is entitled to enforce the negotiable instrument via the XXXX XXXX then the alleged debt was to be discharged. As per UCC 3-603 ( b ) when tender of payment is refused then there is discharge. https : XXXX # : ~ : XXXX ( b ) % XXXX % XXXX % XXXX % XXXX, recourse % XXXX % XXXX % XXXX % XXXX XXXX has blocked at least one of the complaints made against them with the CFPB by inaccurately stating it was a duplicate. XXXX has refused to perform the discharge, refused to return the negotiable instruments 1099A, refused to provide the notice of dishonor. 
XXXX has refused to validate the alleged debt by failing to provide any of the following : 1 ) the accounting forms 1099A, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX ) a true/certified copy of the original application with wet ink signatures of both parties, a notice of dishonor from the XXXX XXXX XXXX 18 USC 8 all debts are obligation of the United States ) 3 ) a sworn statement from an executive officer that the alleged statement is valid and that the bank used their own assets ( 12 USC 83 banks can not loan their own assets i.e. stocks ) 4 ) a statement signed by me authorizing this account to be reported to the credit reporting agencies. 

I am attaching proof that the balance should have been discharged and never reported as delinquent when XXXX knows this is inaccurate. I am also attaching prior complaints made with the CFPB against Chase. Furthermore, the credit reporting agency has never provided me with the name and contact info for the person who verified the account. The credit reporting agency has never received written confirmation from me to report the account in the first place. The credit reporting agency never received any account validation from XXXX swearing that the alleged debt is valid so the credit reporting agency is in violation for willfully reporting invalid and inaccurate information.

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