Consumer complaint received 2022-07-21
Company: Experian Information Solutions Inc.
State: FL
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:
At this time, this formal complaint in in regards to the XXXX XXXX XXXX Agents, and in regards to the overall application process as an " Applicant '' and Consumer. I have first decided to opt out of credit authorization as referenced in the email attachment. This overall Claim and according to the FCRA and 15 US code 1602 ( f ), explaining that CREDIT IS MY RIGHT ( ECOA ). Not only that but pursuant to 15 US Code 1681q and 15 US Code 6821 related to the obtaining personal and private information from a consumer reporting agency under false pretenses ; Which would be aggravated identity theft pursuant to 18 US Code 1028A. XXXX agents have deliberately violated the disclosures and regulations of " the Applicant is not required to provided certain information, the statute makes it unlawful for any creditor to discriminate against any applicant with respect to any aspect of a credit transaction, ( Credit Agreement in this case ), and XXXX ) because the applicant has in good faith exercised any right under the Consumer Credit Protection Act.. I am Competent and have an Affidavit of Beneficial ownership to support. Secondly, after providing my principal information and submitting my application, I have then referenced to the following Agent asking, who will be securing my rights to the application and the proceeds due on the application pursuant to the Truth in Lending Act Regulation Z as it relates to how an overall Credit Agreement and Consumer with respects to choosing how they want to enter into an Agreement.I the consumer have a right to acquire the Agricultural Goods for my household and family ( Federal Register/Vol. 86, No. 227 ). I also have the right to enter a transaction without Fraudulent and Deceptive practices ( 15 US Code sec 45d ) ( pursuant to 15 U.S. Code 1691 ( A ) ( B ), '' b ) The term Applicant means any person who applies to a creditor directly for an extension, renewal, or continuation of credit, or applies to a creditor indirectly by use of an existing credit plan for an amount exceeding a previously established credit limit. ( ECOA Regulation B ) '' As referenced in 15 US Code sec, 45D ; I have requested the proceeds due upon the application where credits are being requested TRUTH AND LENDING ACT ( REG Z ). I am transferring principal interest upon Security ( application ). Lastly, providing incomes as a consumer is unrelated due the According to The Gold Standard ( HRJ 192 ), one can not demand any certain form of currency that would like to receive if it is dollar for dollar. I have attached supplemental documents supporting my claim and performance enforcing the obligation due upon acceptance of my security instrument, ( Application ) and the proceeds now due. 
EXPERIAN HAS ALSO FURNISHED UNDER FALSE PRETENSES MY PRIVATE AND PERSONAL INFORMATION ( Not only that but pursuant to 15 US Code 1681q and 15 US Code 6821 related to the obtaining personal and private information from a consumer reporting agency under false pretenses ) .31 U.S. Code 5118 " ( a ) In this section ( 1 ) gold clause means a provision in or related to an obligation alleging to give the obligee a right to require payment in ( A ) gold ; ( B ) a particular United States coin or currency ; or ( C ) United States money measured in gold or a particular United States coin or currency. 
( 2 ) public debt obligation means a domestic obligation issued or guaranteed by the United States Government to repay money or interest. ''

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 non-monetary relief