Consumer complaint received 2023-05-08
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I DENY your credit reporting agency is accurately reporting my information correctly. This is false and misleading information on my credit report and you are subject to a defamation and slander lawsuit as well as violations of the FCRA and united states constitution.

5. I DENY I have any obligations or contracts with these companies. You have a statutory obligation to verify independently the accuracy the completeness of information on my credit report and your agency did not comply with the FCRA.

6. I wrote previous request demanding you get it right but your investigators failed to do so. You are in violation of your own act by refusing to delete unverified information from my consumer profile. The companies that pay you for profit are without authorization and are intentionally invading my private matters. This has caused me mental anguish and suffering impairing my unalienable freedoms to life, liberty and pursuit of happiness by your negative reporting giving me a bad name which goes against my religious beliefs.

7. I have a right to privacy in all financial matters You are allowing third parties to report monthly negative information on my credit report after several notices to your company asking to validate the debt and none has validated the debt according to the law. I have given notice to remove the debts and update late payments and complete a rapid rescore without cost but you have failed to do so.

8. TAKE NOTICE that every company in dispute are only making claims but they havent proved that they loaned me any money. Bookkeeping entries that were allegedly made is an attempt to establish an alleged obligation or debt, and in which case, the entire matter would constitute fraud so you must remove the debt and I dont need to complete a police affidavit for you to remove it. It's simply inaccurate an unvalidated debt. Pursuant to KJV Matthew 5:37 Buy let your communication be, Yea, yea; Nay, nay : for whatsoever is more than these cometh of evil.

9. WHEREFORE Petitioner gives notice of the following FCRA violations [ pursuant to ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. ] Also in violation of my right to dispute incomplete or inaccurate information, In violation of my right to remove old negative information in violation of not restricting who can access my report. Which has intern invaded my privacy.

FINDINGS OF FACT II.

RESPONDENT VIOLATED PETITIONERS UNALIENABLE RIGHTS PURSUANT TO THE FOLLOWING : Pursuant to 1781 United States Constitution 10. THE U.S Bill of Rights 1787 United States Constitution AMENDMENT I. Has Been Violated in the past.

11. 1787 United States Constitution AMENDMENT IV. Has Been Violated in the past.

12. 1787 United States Constitution AMENDMENT V. Has Been Violated in the past.

13. 1787 United States Constitution AMENDMENT VI. Has Been Violated in the past.

14. 1787 United States Constitution AMENDMENT VII. Has Been Violated in the past.

15. 1787 United States Constitution ARTICLE I. SECTION 8 Has Been Violated in the past.

16. 1787 United States Constitution ARTICLE I. SECTION 9. SUBSECTION 3. Has Been Violated in the past.

17. 1787 United States Constitution ARTICLE I. SECTION 10. Has Been Violated in the past.

18. 1787 United States Constitution ARTICLE IV. SECTION 1. Has Been Violated in the past.

19. 1787 United States Constitution Art VI Classe I : Has Been Violated in the past.

III. AFFIDAVIT OF THE PETITIONER 20. I cook, Josephine being of sound mind, good moral character, having firsthand knowledge of the foregoing facts hereby, without any mental reservation or purpose of evasion, bare witness, state and declare that ; 21. Respondents Agree that they violated petitioners rights for failure show cause why they are entitled to violate the FCRA ( Title VI of the Consumer Credit Protection Act ) which protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. and 22. Respondent agree they have intentionally reported negative information on petitioners credit report without her consent and admit to the following violations of the 1787 United States Constitution Bill of Rights Amendment IV which protects my property ( I.e my credit ) from search and seizer which the debt collectors or alleged creditors has done, which is a violation of Bill of Rights ; and 23. Respondents agree and consent that they have failed to establish and follow reasonable procedures, as required by existing law, to establish the maximum level of accuracy of information contained on my consumer report and are out of compliance with their existing obligations.

24. The Respondents agree and consent by allowing the presence of inaccurate or incomplete information to remain on my credit report has resulted in substantial financial and emotional harm. Which has lead me to loss of new employment opportunities in my industry which is Travel and Real estate and has prohibited me from being able to access credit on favorable terms. This has also prevented me from obtaining investment properties and triggering mental distress in my old age and living on a fixed income.

25. Respondents agree that current industry practices impose an unfair burden of proof on me as a consumer with the effort I have made trying to fix errors on my credit report and you wont follow your existing law.

26. Respondents agree that this inaccurate or incomplete information has also undermined the ability of creditors and lenders to effectively and accurately underwrite and price the credit I rightfully qualify for.

27. Respondents agree that the inaccurate credit reporting has affected my life and as a result of the error on my consumer credit report this has been catastrophic for me to bear.

Respondents agree they have participated in the improper use of my credit report, making it difficult to obtain a credit report and a credit score, credit monitoring and identity protection during my dispute process.

28. Respondents agree that the debt collectors or alleged creditors never investigated the disputes and the investigation lacked detail and the investigation was not accompanied by attachments with relevant information.

29. Respondents agree that you have burdened me by calling my disputes frivolous or failed to identify one self, or even worst that I am didnt write the dispute letters based on your educated guess.

30. Respondents agree that they use quota systems to force employees to process disputes hastily and without the opportunity for conducting meaningful investigations. and punished those who didnt meet production numbers with probation. Therefore they agree that they are in this for unjust enrichment by conducting improper and inaccurate investigations affecting consumers like me. and they agree that they will continue to skirt their obligations under the law.

31.Respondent agree that they did not follow the FCRA when performing a reasonable investigation and did not conduct a substantive search inquiry when I disputed the items on my consumer report. and 32. Respondents agree you did not conduct the proper independent review about the accuracy of any disputed item. You agree you only relied on a furnishers rubber stamp verification of the integrity of the information that was provided to you. and 33. Therefore you agree that you failed to adequately fulfill your dispute handling obligations, including by not forwarding to furnishers all relevant information found in letters and supporting documents supplied by me when I submitted my dispute.

34. Respondents agree that the time it has taken me to consistently report my concerns to your credit reporting agency without success it has become frustrating, burdensome and a time-consuming process therefore Im within my right to sue you for the violations and 35. Respondents agree that they allowed third parties access my credit profile and reported negative information on my credit report without proper validation and you agree you have taken my property without due process of law pursuant to 1787 United States Constitution Article V. The credit bureaus can not take my property without due process of law or take it for public use without just compensation which XXXX XXXX Experian and XXXX have done in the past going against the Bill of Rights ; and 36. The Respondents agree they have violated 1787 U.S. Const Amendment VI. in the past when they never informed me of the nature and cause of the accusation ; to be confronted with the witnesses against me ; to have compulsory process for obtaining witnesses in my favor, before they took my credit reports and reported negative on my credit report, which is against the Bill of Rights, ( I.e slavery ) and 37.Respondent ( s ) consent and agree that they shocked, substantially burdened, controlled, and interfered with the religious conscience of the Petitioner, and prevented him from worshiping her God pursuant to the KJV Bible, Proverbs 22:1 which states : A good name is to be chosen rather than great riches, loving favor rather than silver and gold. and violated petitioners unalienable rights pursuant to 1787 U.S. Constitution Amendment 1 ; and 38. Respondents agree that the presence of inaccurate or incomplete information on my consumer credit report has resulted in substantial financial and emotional harm.. and 39. Respondent ( s ) agree that any previous negative items reporting on the credit report are void as they go against The 1787 Constitution of The United States 10 No State shall pass any bill of attainder, ex post facto law, or law impairing the obligation of contracts, or grant any title of nobility. and 40. Respondent ( s ) agree that as a non-government agency ( XXXX, Experian XXXX ) you agree that pursuant to The Constitution Of The United States ARTICLE 4. You allowed the alleged creditors to violate my right to privacy against unreasonable searches and seizures without my consent. and 41. Respondents agree I shouldnt have to incur a cost to keep my private information protected. ; and 42. Respondents agree that Any act of Congress repugnant to the Constitution can not become the law of the land. [ Maybury v Madison ] ; and 43. Respondent ( s ) agree not to accept mere journal entries as proof of validation with a matching address without having in your system the actually contract with a wet blue ink signature on it. Mere copies are not acceptable.

44. Respondents agree I reserve the right to sue pursuant to Public Law 90-284 [ 18 U.S.C. 241, and 242 ], Public Law 103-141 [ 42 U.S.C. 2000bb, Religious Freedom Restoration Act of 1993 ], Public Law 39-26 [ 42 U.S.C. 1981, 1866 Civil Rights Act ] for deprivation of rights : and 45. Respondent ( s ) agree that failure to correct the credit reports to reflect my good name and good credit score within fourteen ( 14 ) days will be certified in a Default Judgment by the Notary to be issued and filed with the clerk of court ; 45. Respondent ( s ) agree and consent to Rapid Rescore without cost and agree to update late payments and remove collections judgments and charge offs and never place negative items on my credit report without my consent.

2nd Notice Opportunity To Cure Errors are Still not complete Lawsuit is pending to be filed after my third attempt to correct my credit disclosure report. It appears I have been unsuccessful in my attempts. I have tried to work it out outside of court but look at all of these Errors this is inexcusable. These are unknown accounts and this report is full of inaccuracies and errors. They are still on my credit. This has caused me damage, pain and stress.

According to the Fair Credit Reporting Act, Section 607 ( b ) of the ( FCRA ) requires you to take reasonable procedures for the purpose of verifying the accuracy and completeness of the information on my report. Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand inaccuracies and incomplete and inconsistent information to be removed off of my credit report and I demand to see Verifiable Proof of ANY original Consumer Contract with my Signature on it if Im disputing it. You must have it on file for the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit and employment. These accounts are either inaccurate and/or unknown. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

I DEMAND BELOW ITEMS UNKNOWN COLLECTIONS AND INCOMPLETE AND INACCURATE INFORMATION BE DEETED OFF MY CREDIT REPORT IMMEDIATELY.

Please remove All previous addresses those are inaccurate. 
XXXX I am disputing this item. This account is unknown remove for unknown collection. How did you verify this account? Where is the document that would prove this? Furnish immediately a signed contract or remove this account. 
XXXX XXXX XXXX is an unknown collection The Date Opened is inconsistent, the account status is inconsistent, this account its showing Closed than shows open, then shows no status between the XXXX credit bureaus. How did you verify this account? Where is the document that would prove this? Furnish immediately a signed contract or remove this account. 

XXXX XXXX I am currently disputing this item this account is an unknown collection. The number of months and terms are inaccurate and inconsistent with the XXXX other credit bureaus. The Date of last payment is inconsistent with the XXXX credit bureaus. The Account type is inconsistent with the XXXX credit bureaus showing unknown -credit extension, review or collection which is it? I dont know this account. I demand this be removed immediately. What was your method of verification? Send me proof of the validation or remove this account for failure to perform a proper investigation. 
XXXX I am disputing this item. This is an unknown collection How did you verify this account? Where is the document that would prove this? Furnish immediately a signed contract or remove this account. 
XXXX XXXX XXXX This account is inaccurate and incomplete The dates opened are incorrect on all three credit bureaus. The High Balance is incorrect it says XXXX and it says balance owed is incorrect, remove the comments as they are incorrect and the payment account is inconsistent and incorrect. The pay history is unreported inconsistent and incorrect. The XXXX payment shows late I was never late update to paid as agreed. So what was your method of verification? Send me proof of validation or update my payment status I was never late. You're failing to perform a proper investigation. 
XXXX XXXX XXXX This account is inaccurate and incomplete remove the comments Auto Fixed Rate Date of Last payment is inconsistent and inaccurate. I was never late update to paid as agreed. The Number of months are incorrect and inconsistent. The Pay history is not reporting and its inconsistent. So what was your method of verification? Send me proof of validation or update this account to show paid as agreed and no late payments. 
XXXX XXXX XXXX This account is inaccurate and incomplete Date of last payment is inconsistent. So what was your method of verification? Send me proof of validation or remove this account for failure to perform a proper investigation. 



XXXX XXXX Not Owing the Debt

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