Consumer complaint received 2017-12-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
NOTICE ; DOCUMENTS NOT PRESENTED AS REQUESTED LOAN STATED BY YOUR LETTER THAT PAYMENT ( S ) WERE RECEIVED, LOAN DEBT PAID IN FULL DUE TO MONEY ORDER BOND SUBMITTED WIHOUT ADDED INTEREST : Dear XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and the US Dept of Ed ; Letters received with dates of XXXX XXXX XXXX and such documents do not provide uncontested wet signature ( s )  just the assumption thereof, which concerns our legal team, if possible and it is, please feel free to send over the documents so that we can have them examined by an expert. Therefore the alleged uncontested wet signature ( s ) should have dates times and locations of signage. If this is not produced we will not allow anymore communications and shall file legal actions if this type of communications persist. 

As well you claim to have records or recordings of a conversation and or emails of XXXX XXXX XXXX requesting a discharge that which no permission had been given to do such. As well XXXX XXXX XXXX did not request a discharge, the documents presented where for legal tender and payment to settle matters in this account quickly, rather it seems as if the money order was not accepted without reason with legal qualifications. Therefore payment should have been received by law and can not be dismissed without a very good legal reason. This has not been done. 

Please provide dates, documents, times and locations of the request for forbearance and deferments, for such times are relevant to the actions of identity theft which has taken place. Moreover it was the credit reporting agency that red flagged your attempt to report to credit bureaus that which was the wrong birthdate and address. Please take notice that any and all documents presented with incorrect personal and private information shall be deemed identity theft and be place on alert as well all parties shall be notified that being the victims therein which such has been created for theft purposes. 

Further more you have attempted to contact friends and family member located in multiple states one of which is XXXX XXXX XXXX elderly mother whereas the postal delivery clerk whom has known the family for years assisted in stopping mail from being delivered to her address. This is harassment and will not be taken lightly. 

There are also too many coincidences, the timing of the letters and the information suggest that there is a relationship between that whom we have discovered in the past month of XXXX to be one of which whom created the identity theft and the language in the letters which are very similar and is being examined. Not to leave out that your documents are not notarized, signed and or verified by an agent and or an officer therein your organization, which changed from XXXX XXXX to present, there was once a persons of contact within XXXX XXXX and or Dept Of Ed or XXXX XXXX. Please use this legal format to verify whom you are, status or position and a contact information so it is not assumed that your agency has taken part in the thefts at hand. 

If you received payment ( s ) as you stated or someone stated in the letter, why is the account still open for there was a payoff request made by XXXX XXXX and that final payment in form of a money order was provided, what is the problem with the final payment in regards to settling the matter of debt? The payment was legal and is excepted so please provide a legal and legitimate answer or solution to the payment, adding interest and expecting payment over a period of years as in adding another {$65000.00} is extortion. 

Please be advised that XXXX XXXX XXXX notified XXXX XXXX XXXX that his account had been hacked by a bank or a government agency so that email is no longer being used since that time and had been forwarding all emails over to XXXXXXXXXXXX please see to it that you use this email only. 

Once you have provided an reasonable explanation as to why the payment was not received dated The court papers that which was forwarded over to you are very much real and legal. They state that XXXX XXXX XXXX is not dated XXXX XXXX, XXXX. That which there are investigations prevailing at this current time and future court dates with the culprit ( s ) whom created the identity theft and other illegal matters are being tracked. Those individuals may have contacts within XXXX XXXX and or Dept Of Education that which is being seriously and deeply investigated and will have serious repercussions for charges will not be dropped and the max amount of time will be heavily requested for this has caused XXXX XXXX XXXX and his family millions in investments as well his home. 

As for the Nature of the court proceedings and the language i personally do not have any control or legal input as to how the Judge and deputy documented and worded the Identity theft documents and findings. Rather in all cases presented to the court on XXXX XXXX, XXXX XXXX am that with all the evidence and documents presented by XXXX XXXX XXXX and his wife XXXX XXXX XXXX whom was effected as well by the multiple identity theft ( s ) that which stated in the court records is that simply put, neither XXXX XXXX XXXX or his wife are responsible or committed any offense to that which was created by identity theft be in loans, mortgages, and all other loans therein which was recently and formerly created in the past. 

Court Rulings - The court finds XXXX XXXX XXXX and his wife to be factually innocent of the offenses that being any loans that neither petitioner gave consent to therein. As for a defendant and or identity theft perpetrator name in the verdict is not warranted by the accounts of the Dept of Justice whom have been notified due to the wide range and damages that this may cause others, none the less we have investigated and have found several personnel whom have major part in the identity theft and other crimes committed against XXXX XXXX XXXX. That which had been presented to you at cost of XXXX XXXX XXXX. 

Reminder - XXXX XXXX, XXXX and several times before hand you had received documents warning your of identity theft along with multiple affidavits for such causes and it was stated in the entry of the legal document that you must respond to this affidavit point by point, under oath meaning notarized and witnessed as well by an officer agent therein the angry whereas you sit, failure to answer all points under oath shall be deemed incomplete and that which you claim or alleged to be factual unequivocal and irrefutable admission to all statements contained here, further this will be binding against you in any subsequent court proceedings to enforce remedy. You had five days after receipt of said documents and you have failed multiple times. Furthermore all credit agencies have began red flagging any attempt to report thereafter the date you had received the first Affidavit herein this matter. 

Therefore this shall conclude any and all communications herein this account and it is deemed PAID IN FULL as stated on the letter from the US Dept Of Education and any further communication hereafter is deemed harassment as well illegal and prohibited. 

You may proceed with legal matters and fillings rather count on countersuits to be applied therein for such has been presented to you in full notification and you have ignored it, therefore that is your issue and not XXXX XXXX XXXX. 

Further more after this point that you proceed and continue pursuing this matter that is closed, you shall be responsible for all legal cost travel and pain and suffering therein hereafter. 

You also may provide a copy of your report and investigation hereafter so that while we are pursuing those whom created this issue your evidence may have implications to that which has been stated before, and the communications herein thereto in connections with the thefts and injuries. Moreover any attempt to contact family members outside of this matter shall be deemed harassment and legal matters shall be filed against you in said cities and states for such illegal actions.

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