Consumer complaint received 2023-01-02
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Notice of Billing Error Notice of Cease and Desist Matthew 6:12 And forgive us our debts, as we forgive our debtors. 
Romans 13:8 Owe no man anything, but to love one another : for he that loveth another hath fulfilled the law. 
I XXXX XXXX is coming before you today to correct an error of intent. I unknowingly and unintentionally waived certain powers that put me in detriment. As beneficiary and not required to do anything. It is to my detriment to pay an obligation that is fully the interest of the United States for payment of public/private debt Pursuant to 18 USC 8 . I have no affiliation to the trust with respect to the trustee.

Notice of fact pursuant to 12CFR 202.2 ( b ) consumer credit is defined as ; credit extended to a natural person primarily for personal, family, of household purposes. Therefore, if pursuant to that same subsection credit means ; the right granted by a creditor to defer its payment, or purchase property or services and defer payment therefor, then I am the consumer of this transaction seeing that my phone bill, also known as my Social Security Number, funded the account by means of accessing my open-ended credit plan.

Notice of fact there is a billing error pursuant to Regulation Z the determination of finance charge.

Pursuant 15 USC 1692c ( C ) this herein notice in writing refusing to pay the alleged debt.

16 CFR 308.7 pay-per-call services ( k ) Prompt notification of returns and crediting of refunds. When a vendor other than the billing entity accepts the return of property or forgives a debt for services in connection with a telephone-billed purchase, the vendor shall, within seven ( 7 ) business days from accepting the return or forgiving the debt, either : ( 1 ) Mail or deliver a cash refund directly to the customer 's address, and notify the appropriate billing entity that the customer has been given a refund 15 USC 1666 15 USC 1666b ( 4 ) The creditors failure to reflect properly on a statement. If I owe a balance, it should be in the negative, but it isnt, its clearly showing a positive balance. This is a billing error.

12 CFR 1026.13 ( D1-3 ) 1 ) A reflection on or with a periodic statement of an extension of credit that is not made to the consumer or to a person who has actual, implied, or apparent authority to use the consumers credit card or open-end credit plan The Electronic Fund Transfer Act ( EFTA ) ( 15 USC 1693 et seq . ) of XXXX  is intended to protect individual consumers engaging in electronic fund transfers ( EFTs ).

Pursuant 19 CFR 149.3 there is an identification error. I did not need to provide a name and address, only a number to identify who was liable. The social security number is the liability. The bank is the reporter of record. The importer of the record is liable, I gave XXXX the number making XXXX liable for the number. 
Pursuant Regulation Z subpart b 1026.13 a6 I request a reflection on a periodic statement of an extension of credit for which the consumer requests additional clarification, including documentary evidence. I request documentary evidence on account ending in XXXX. 
Pursuant 15 U.S Code 44 includes all documents, papers, correspondence, books of account, and financial and corporate records which involve all derives, assignees, hypothecations in connection with my all-caps name. I require this clarification in order to address the billing error for {$1200.00}. I need to clarify who funded the account and how much is owed according to the journal and ledger entries from the date of open of this account as described in IRS Publication 583. On the public and private side showing accounts receivable and payable. 
Pursuant Regulation Z Subpar B 1026.13 d 1- Rules pending resolution. The consumer need not pay ( and the creditor may not try to collect ) any portion of any required payment that the consumer believes is related to the disputed amount ( including related finance or other charges ). The creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges. A creditor shall not accelerate any part of the consumer 's indebtedness or restrict or close a consumer 's account solely because the consumer has exercised in good faith rights provided by this section. A creditor may be subject to the forfeiture penalty under 15 USC 1666 ( e ) for failure to comply with any of the requirements of this section.

I am the beneficiary I wish to negotiate instrument being tendered on behalf of the interest of the United States with full faith in credit. The personal information on the record is inaccurate the accuracy is depended upon fair banking. I request that the record is corrected and granted the proper disclosures Pursuant Regulation Z Truth in Lending Act. 
I request that my balance is XXXX  monthly, and all interest is without recourse. For this, I request every new device as well as my dividends deposited into my checking account immediately according to the electronic fund transfer act. This evidence of the trustee XXXX XXXX trading my account via the securities through the trust.

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