Consumer complaint received 2019-04-07
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:
The credit agencies states that they have met its obligations under the FCRA ; and have respectfully declined request for compensation. They claim to be in ] the process of contacting the disputed data furnisher ( s ) and or public record vendor to verify the accuracy of the information with which is disagreed. They claim they are in the process of contacting the disputed data furnisher to verify the accuracy of the information with which i disagree. Please note that a reinvestigation may take up to 30 days. Now this is a vague and ambiguous answer not detailed to my specific needs as a woman in flesh and blood. What is the standard for validation and verification and the credit bureaus must answer this question in full with a dictionary or XXXX XXXX   XXXX! I need to know how they are validating and verifying. For in this matter the Bank acknowledged the payments then the bank reversed payment in full and added late fees. Now by law if the tender of payment is refused in this case it was refused declined and or other, the debt must be discharged. Please provide a copy of the validation documents and verification documents sent to all of you and post it here on the CFPB website and mail me a hard copy please. I have sent a copy of an AFFIDAVIT OF TRUTH THIS AFFIDAVIT IS SELF AUTHENTICATING BY WAY OF THE LAWFUL NOTIFICATION : FOR TENDER OF PAYMENT OFFERING RECEIVED ACCEPTED OR DECLINED Come now and notice that I the woman owner of said property acquired by purchase! i have not received a letter [ s ] from the CEO or Controllers from the Back Office of XXXX XXXX, or CEO said agency or corporation concerning the decline of the Tender of Payment Offer. Please provide in writing your legal and or lawful reason [ s ] for not accepting the government obligations, bills of exchange, drafts, notes, trade acceptances, and bankers acceptances, because it is backed by the credit of the nation. A letter from the Research Department is not the proper channel for this type of payment because they do not know what the Tender Of Payment is! Such is legal Tender for property and this card was used to secure such. A copy of the Tendered payment was mailed to the US Treasury and received for you to retrieve payment! Please note ; In the United States, a mortgage note ( also known as a real estate lien note, borrower 's note ) is a promissory note secured by a specified mortgage loan. Mortgage notes are a written promise to repay a specified sum of money plus interest at a specified rate and length of time to fulfill the promise. It's the promissory note that contains the promise to repay the amount borrowed. ( Learn more about promissory notes. ) While a promissory note is basically an IOU that contains the promise to repay the loan, the contractual agreement is the document that pledges the property as security for the loan. 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, 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. Thus all is dealing with property of State of the people and my private property, singed by ss # XXXX XXXX XXXX noted that all calls are recorded. 
IN THE MATTER OF ARBITRATION BETWEEN THE FOLLOWING PARTIES You are unlawfully demanding and or attempting to collect late fees and/or parents in violation of the terms of the agreement and the arbitration process as you have claimed a debt is owed after tender of payment, you are hereby order to cease and desist from any further attempts at such collection! If you continue to ignore the terms of the agreement, the daily penalty rate will insure for each day since the entering of agreement and the default of infraction. A request will be made to the Arbitrator to adjust the award as a result of the calculations not previously taken into account by the soon to be arbitrator, as is permitted via the Federal Arbitration Act 9 USC 1-16. I have asked for Arbitration or Meditation Demanded if there is threat of collections or taking of property hereafter the tender of payment has been offered thereto XXXX XXXX a National Associated Bank or State Bank in concert with the FDIC and the United States Of America. Please note this is a legal tender and not a fictions currency but back by the " 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, March 9, 1933 on HR 1491 p. 83. Therefore tender of payment or The said notes shall be obligations of the United States and shall be receivable by all national and member banks and Federalreserve banksand for all, and other public dues. They shall be redeemed at the Treasury Department of the United States, in the city of XXXX, District of Columbia, or at any FederalReserve bank. 12 U.S. Code 411 - Issuance to reserve banks ; nature of obligation ; redemption - ( Dec. 23, 1913, ch. 6, 16 ( par. ) ,38 Stat. 265 ; Jan. 30, 1934, ch. 6, 2 ( b ) ( 1 ) ,48 Stat. 337 ; Aug. 23, 1935, ch. 614, title II, 203 ( a ) ,49 Stat. 704. ) Therefore this is lawful money and United States Currency and not illegal. The bank has declined payment on multiple times and was asked to provide their legal and lawful reasons for declining of payment and has failed to do so. 15 USC 1681et seq 603. Definitions rules of contraction please provide this information with clarity remember i am not an employee of said agencies therefore i do not understand your information reasons and definition please disclose and provide clarity.

606. Disclosure of investigation - please show the verification information provided to you from the company to me as well. 
607. Compliance Disclosure to governmental agencies meaning post it on the CFPB site as well mail it out to consumer 611. Procedure in case of dispute accuracy Public record information for employment please provide and stop posting or reporting fax locations 614. Restriction 619. Obtaining information under false pretenses - claiming to get the validation or verification from said company but only check as far as one person or a customer service representative or a recording when the back office or CEO is required to respond in this matter. 
625. 

Please be advised we have received letter [ s ] stating that said bank does receive US Currency and the Tender of Payment is just that US Currency. I received confirmation on XX/XX/2019 via USPS mail that they have received payment but have declined payment and added interest to the account which is illegal and unlawful.

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