Consumer complaint received 2019-04-24
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I XXXX-XXXX ; XXXX have Tendered payments thereto XXXX   XXXX as of XX/XX/XXXX with proof of service and signatures required signed by all creditors as of XX/XX/XXXX when mailed out via USPS with proof of service. The law stalest that i must receive a Written Notification About Debt The law : Within five days of initially contacting you, the collector must send written notice of the debt that includes : The amount of the debt The name of the original creditor to whom the debt is owed A statement describing your right to dispute the debt. They have failed to do this. In fact they have reluctantly responded approximately 21 days later. 
False Statements or Representations - The law : Collectors cant threaten a lawsuit, criminal prosecution, wage garnishment, jail time, or to ruin your credit rating unless they have the legal authority to do so and intend to do so. These threats are often illegal. Collectors must take you to court first and win before they can take these kinds of actions if they are legal in the first place. What was stated to me in writing was that my account is closed do to unauthorized payment activity. The account will be reported to the consumer agencies as Account closed by credit grantor. What unauthorized payment method is XXXX XXXX XXXX speaking of because I submitted a very lawful document with my Tender of Payment? Also I am the credit grantor and I did not authorize for XXXX XXXX to close my account. If XXXX XXXX chose to do so which I know they did because it is no longer on my credit report that they did so without my consent. 
By law if the Tender of Payment is declined or rejected it must be returned to me along with legal and lawful reasons why they can not accept payment of said type. If it is not returned it is implied that the payment was tendered and received and they collected from the US Treasury and or at Any Federal Reserve Bank. It is left to be implied due to the amount of time given to said company/bank which is well passed the five day time to respond. Attached are the FDCPA laws. XXXX XXXX XXXX did not return the Tender of Payment to me therefore it is implied that it was accepted and that my debt is paid in full. However my account has not been credited. 
The Corporation or Bank Threatened to Contact Someone or Share Information Improperly - The law : Collectors can call third parties such as family, neighbors, friends or co-workers only to locate the debtor. This debt is in dispute and can not be reported until validated and verified but such was stated that they would report to XXXX, XXXX, and Experian and others if i didn't make a payment. When they do, they cant reveal the debt without verification and validation. 
Stating that the tender of payment in unauthorized made me feel that XXXX XXXX XXXX is attempting to state that the Tender of Payment is not a Lawful or legal payment, this makes me feel that they have stated falsely that i have somehow committed a crime by making this payment of this type. 
The new law states " Under thenew law government obligations, bills of exchange, drafts, notes, trade acceptances, and bankers acceptances, because it is backed by the credit of the nation.It will represent a mortgage on all the homes, and other property of all the people of the nation. '' Senate Document No. 43, 73rd Congress, 1st Session, Congressional Record, XX/XX/XXXX on HR 1491 p. 83. 
Therefore all are hereby notified that I XXXX XXXX XXXX do hereby tender payment for the above referenced obligation of debt, and because this debt concerns property of the United States it is deemed by law and operation of statute to be a government obligation and must be handled in accord with the dictates of statute. I have accepted the obligation on behalf of the United States of America and hereby make assignment of the obligation to the United States Treasury Department on behalf of the United States of America as authorized by statute. They were to present the item ( remittance coupon ) to the United States Treasury Department or at any Federal Reserve bank to include any Federal Reserve member banks to redeem the value of the obligation. As per the terms of the contract this shall serve as my notice of change in terms of contract, cancelling and or suspending any acceleration penalties and paying the US government debt obligation for value through acceptance pledging an assignment in full. Rather it has been over [ 25 ] twenty five days and nothing has posted as paid tendered or discharged and this disables me XXXX XXXX XXXX by way of doing business employment and living free. I have the United States Post Office signed forms of the delivery which is undeniable proof that it was received, and therefore the payment was received on time and is not late, as well the payment format was never returned to me. Rather on the complaint website the Corporation/Bank stated that they have declined payment format. If such the debt obligation is DISCHARGED!

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