Consumer complaint received 2019-04-23
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
As stated by XXXX on XX/XX/XXXX and i quote " According to our system, on several occasions in XXXX and XXXX, an investigation was initiated into the XXXX XXXX XXXX # XXXX account per your requests. In response to the investigations, the disputed information was verified or updated accordingly and the results were forwarded to you for review. Please note that we have reviewed your credit file and determined that all investigations were performed in accordance with all applicable laws, policies, and procedures, and the results were sent to you in a timely manner. We store information in our records as it is supplied to us by creditors. '' This is fraud and false. It seems as if the credit bureaus are more in favor of the alleged creditor rather than the consumer so i have prepared this complaint in full. 

On XX/XX/XXXX i asked the persons of the Title company to provide me with a copy of the check whereas the funding for the purchase of my home was to come from. They failed to respond. On XX/XX/XXXX i followed up with an email thereto XXXX for the title company. She failed to respond. 

On XX/XX/XXXX i responded to their none response as to where the funding came from in a formal and legal letter. Made public record on XX/XX/XXXX. Whereas at this time the debt was disputed for no one could answer where the debt came from who owned the debt and how the debt was funded. Therefore the debt is disputed in full by law. 

XX/XX/XXXX made public, i served all parties claiming to be the creditors which are many listed as XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX XXXX including XXXX and XXXX XXXX.   None of the parties responded thereto the Certificate of Administrative Judgement. In fact none of the alleged verification or validation has any notary nor in a Affidavit format. None of the CEOs I've addressed responded therefore this debt is disputed. Sad enough that the credit bureaus have not paid any attention to the alleged validations or verifications. The verifications can not be a letter from a low level employee whom knowns nothing about the law or currency. No disrespect to them this is why i demanded responses from the CEOs from all the companies and none responded. Therefore this debt is disputed in full. Please see police report and FTC letter etc, .. 

On XX/XX/XXXX i filled up with CEO XXXX XXXX XXXX of XXXX XXXX whom just came on the scene alleging this debt was owned and owed to them naming themselves the creditor but this is a lie. The alleged creditors address is XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX c/o XXXX XXXX CEO. He also never responded. No one produced a check in my name for the alleged debt. 

The alleged verification or validation which has been presented thereon the credit bureaus are not accurate and are missing my signatures and are forged. Please see attached police reports and the original applications and payment agreemn documents finalized on line. 

90 % of my purchase documents for my home were done on line. Only a few where done in front of several witnesses and a notary on XX/XX/XXXX. I requested a translator for the loan documents newly presented for the agreement was changed that day on XX/XX/XXXX. Without me being notified the day before. Therefore without a person to explain the other added documents to the original agreement i singed WITHOUT CONSENT on the documents. Thus what you see is not my name nor my signature, it says without consent. 

Acting in peace and love according to my heritage and XXXX creator the true and living LAW MAKER, i made an offer to Tender the payment in full. XXXX responded with the Demand for payoff and i tendered that lawfully and legally. This debt must be discharged and or deleted for it has purely been disputed in full. The law says [ FDCPA1692 ] that the debt must be verified in full not in part. The  documents attached hereto shows that someone altered the documents and deleted my personal Treasury Direct Number from certain documents that do not match the dates and times of the loan application and other documents completed on XX/XX/XXXX, and updated on XX/XX/XXXX. Since the alleged and fraudulent creditor has misstated false documents without me seeing them the creditors are responsible for damages as well the credit reporting agencies and i shall begin by filing small claims against each one of you. 

The funds were taking from my XXXX account as it shown on the original documents titled XXXX XXXX and i am the lender and creditor, for none whom act behind the scenes can provide a checking account nor a check to show a loan took place between any of the creditors whom alleged to be such. 

I have also prepared the hardcopies for each credit reporting agency herein and it shall be mailed to you. I warn you this information is sensitive and lawful do not throw it away and it carries US Currency information. Please keep and post for your records. 

Please take note of the digital signatures on the attached creditor documents signed XXXX XXXX XXXX and this is my signature and how it should look. A request for FBI investigation is underway. Due to theft of my identity and mortgage fraud.

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