Consumer complaint received 2023-09-15
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
NOTICE TO FEDERAL COMMISSIONERS Secured Party Creditor/ Beneficiary / Executor XXXX Heir Email : XXXX REASONS : I would like my unauthorized Inquiries, derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. 
Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( " FCRA '' ), UCC 1 Laws, HRJ 192, UCC 3-104, UCC 5-109 Account Name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Type of Account : Collection/Educational Address : N/A Number XXXX XXXX XXXX XXXX XXXX Reason : This is not my account and Ive sent multiple letters of dispute to Credit Bureaus months even years ago to remove this already and yet theyre still here. All accounts were already paid through Trust. Im Preserving my rights as a Secured Party Creditor. Ucc 1-308, Ucc 1- 304, Ucc 3-104, HRJ-192, Ucc 5-109 Remove these. 

Account Name : XXXX XXXXXXXX XXXX Date Filed : XX/XX/XXXX Type of Account : Charge Card Address : XXXXXXXX XXXX XXXX  XXXX XXXX, NY XXXX Number : XXXX XXXX XXXX XXXXXXXX Reason : This is not my account and Ive sent multiple letters of dispute to Credit Bureaus months even years ago to remove this already and yet theyre still here. All accounts were already paid through Trust. Im Preserving my rights as a Secured Party Creditor. Ucc 1-308, Ucc 1- 304, Ucc 3-104, HRJ-192, Ucc 5-109 Remove these. 

Account Name : US DEPT OF EDUCATION Date Filed : XX/XX/XXXX Type of Account : Other Address : XXXX XXXX XXXX XXXX XXXX, IL XXXX Number : XXXX XXXX XXXX XXXXXXXX Reason : This is not my account and Ive sent multiple letters of dispute to Credit Bureaus months even years ago to remove this already and yet theyre still here. All accounts were already paid through Trust. Im Preserving  my rights as a Secured Party Creditor. Ucc 1-308, Ucc 1- 304, Ucc 3-104, HRJ-192, Ucc 5-109 Remove these. 

Account Name : US DEPT OF EDUCATION Date Filed : XX/XX/XXXX Type of Account : Other Address : XXXX XXXX XXXX XXXX XXXX, IL XXXX Number : XXXX XXXX XXXX XXXXXXXX Reason : This is not my account and Ive sent multiple letters of dispute to Credit Bureaus months even years ago to remove this already and yet theyre still here. All accounts were already paid through Trust. Im Preserving my rights as a Secured Party Creditor. Ucc 1-308, Ucc 1- 304, Ucc 3-104, HRJ-192, Ucc 5-109 Remove these. 


INQUIRIES Remove All Inquiries ( Soft & Hard pull ) From my Report Reason : All accounts were already paid through my Trust. Im Preserving my rights as a Secured Party Creditor. Ucc 1-308, Ucc 1-304 , Ucc 3-104, HRJ Ucc 5-109 Remove all Inquiries. 
PERSONAL INFORMATION If you still have XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX as my address Remove immediately. This is Not My Address I conditionally accept any offer to agree that I am a legal fiction person XXXX XXXX XXXX and that I owe nothing for Services rendered by companies upon proof of claim of all of the following : 1. Upon proof of claim that I am a person, and not a Human being. 

2. Upon proof of claim that you know what a person actually is in legal terms. 

3. Upon proof of claim that you know the difference between a human being and a person legally speaking. 

4. Upon proof of claim that you know the difference between the terms legal and lawful. 

5. Upon proof of claim that I am legal fiction person XXXX XXXX XXXX being the entity to which your paperwork was addressed, and not XXXX XXXX XXXX as commonly called. 

6. Upon proof of claim that the charge was the result of a lawful investigation unmarred by prejudice. 

7. Upon proof of claim that I am a member of the society whose statutes and subsisting regulations you are enforcing.. 

8. Upon proof of claim that I showed you some sort of identification 9. Upon proof of claim that there is a nameable society that I belong to and that the laws covered within any alleged transgressions state that they apply to me within that named society. 
Sincerely and without ill will, vexation or frivolity. 

You have ( 6 ) days after receiving this notice to respond with removal of items listed & corrected information or I have no choice to push matters forward this is Non- Negotiable. 

These are not my accounts Above and Ive sent multiple letters of dispute to remove them to Credit Bureaus & Called but theyre still here. 

Im Preserving my rights as a Secured Party Creditor. Ucc 1-308, Ucc 1-304 , Ucc 3-104, HRJ-192 , Ucc 5-109. I should have a credit score of XXXX. 

All accounts on XXXX XXXX XXXX Report are Billing Errors and Fraudulent Missed Payments on Account. Everything was already paid for through Trust. Account ( s ) should be in Good Standing. 

No public market place should have access to my personal information without secured party consent.

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