Consumer complaint received 2019-03-30
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: Account information incorrect

Complaint:
TENDER OF PAYMENT REMINDER NOT REFLECTING MY ACCOUNT XXXX Contract # XXXX XXXX XXXX contract # XXXX XXXX. 
As of XX/XX/XXXX and XX/XX/XXXX XXXX alleges that i had a debt with them when this is false. I have never met with anyone from XXXX XXXX nor with anyone from XXXX XXXX a government agency. In fact the document they continue to mail to me, has the name on it Leader XXXX XXXX and none other listed. I did not give consent to transfer of my home information thereto another company or bank as a security nor have i benefited from the payment that came from my XXXX XXXX account concerning the alleged debt. More over the reporting is false. 
XXXX first came on the scene introducing themselves as the lender. Later i received letters from XXXX XXXX saying they where the lender. This is also false and mail fraud, extortion attempting to get money from me after i had made the original offer of payment back on XX/XX/XXXX. Todays date is XX/XX/XXXX approximately eight months ago. 
I have received multiple letters from their XXXX XXXX research department claiming that i could not transfer property via the Government Obligation Coupon and this is also false and mail fraud and fraud attempting to export money from a human though the mail. See USPS codes and laws. I XXXX ; XXXX Tendered a payment thereto XXXX XXXX XXXX XXXX XXXX. Whom of which i do not have a mortgage contract with but i have been getting letters since XX/XX/XXXX. My original contract for a mortgage was with Leader XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, XXXX   XXXX. Where i had a meeting of the minds with one of their employees. I XXXX XXXX XXXX have never met with or had a meeting of the minds with anyone from XXXX XXXX nor with XXXX XXXX. I have attempted to make contact wit them and to therefore tender payment in full as request. On XX/XX/XXXX i received a letter thereto XXXX XXXX XXXX that XXXX respectfully Decline the Government Obligations Remittance Coupon/Tender of Payment in the full amount she requested on XX/XX/XXXX in the amount of {$390000.00}. So i tendered that payment via USPS  mail signature required. Well " 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.This means a Mortgage on all the homes, and other property of all the people of the nation, please disclose what is different about the mortgage Deed of Trust which is a mortgage that exempts your collections or servicing agency of said law? Please point out what pages state that they are exempt from the tender of payment and the law? XXXX XXXX also stated in her letter that XXXX will not accept nor honor the Government Obligation Remittance Coupon please explain why in full detail? So i ask, respectfully, what is in the alleged Deed & Trust Mortgage contract that exempts XXXX XXXX the Servicer or XXXX XXXX is the alleged owner of the debt to receive this payment and why. Please provide the page numbers on the contract that exempts XXXX the Servicer and XXXX XXXX from this type of legal Tender? Please provide proof of the meeting of the minds whereas during the alleged documents signing, someone from XXXX or XXXX XXXX or Leader XXXXXXXX XXXX explained this with full Disclosure? If you can not accept this payment you must discharge this debt under the law The Fifth Amendment does not command that property be not taken without making just compensation? That Valid contracts are not property, whether the obligor be a private individual, a municipality, a State or the United States? Your documents falsely states that XXXX ; XXXX had a meeting between the minds with XXXX XXXX or XXXX XXXX   representatives, this is false. You also stated in your documents that the tender of payment offer can not transfer or settle payment for said property. This is also false. Therefore the contract consist of property in the state, therefore this is State Property, as  mentioned within the Tender Of Payment the contract you present is void, by rule of law. Therefore the Government owner of said property can alter or change the contract agreement when the law says once Tender of payment has been offered and received the contract is automatically altered, by rule of law. The agreement or contract is a unilateral contract modified presented by XXXX XXXX XXXX XXXX and Leader XXXX XXXX XXXX. Thus is Fictitious Conveyance of Language! See RICO ACT. Sent through the mail. As well Mail fraud extorting money through the mail. 
3-603. TENDER OF PAYMENT. ( a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, XXXX XXXX XXXX, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract. ( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an endorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. ( c ) If tender of payment of an amount due on an instrument is made to a person entitled to enforce the instrument, the obligation of the obligor to pay interest after the due date on the amount tendered is discharged. If presentment is required with respect to an instrument and the obligor is able and ready to pay on the due date at every place of payment stated in the instrument, the obligor is deemed to have made tender of payment on the due date to the person entitled to enforce the instrument. By your declining of the Tender of Payment you are now obligated under law to Discharge the debt 3-602. PAYMENT. ( a ) Subject to subsection ( b ), an instrument is paid to the extent payment is made ( i ) by or on behalf of a party obliged to pay the instrument, and ( ii ) to a person entitled to enforce the instrument. To the extent of the payment, the obligation of the party obliged to pay the instrument is discharged even though payment is made with knowledge of a claim to the instrument under Section 3-306 by another person. ( b ) Subject to subsection ( e ) a note is paid to the extent payment is made by or on behalf of a party obliged to pay the note to a person that formerly was entitled to enforce the note only if at the time of the payment the party obliged to pay has not received adequate notification that the note has been transferred and that payment is to be made to the transferee. A notification is adequate only if it is signed by the transferor or the transferee ; reasonably identifies the transferred note ; and provides an address at which payments subsequently can be made. Upon request, a transferee shall seasonably furnish reasonable proof that the note has been transferred. Unless the transferee complies with the request, a payment to the person that formerly was entitled to enforce the note is effective for purposes of subsection ( c ) even if the party  obliged to pay the note has received a notification under this paragraph. XXXX and its employees stated in writing information that XXXX XXXX XXXX was not made aware of during the alleged contract disclosure, and thus is language fraud. Please see attachments

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