Consumer complaint received 2023-09-21
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Notice to Principal is notice to Agent, Notice to Agent is notice to Principal Administrative Procedure ( 5 USC 551-559 ) This Affidavit is Governed according to the law Merchant Private Judicial Notice , Private legislation Let XXXX be our Judge as he has set the Watchers to watch over Man To : Experian, XXXX, and XXXX From XXXX Executor Office of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1. Comes Now, Executor of the Precedent Vested Estate XXXX XXXX XXXX, XXXX of The XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX here to settle all matters dealing with the principal debtor. As an Investor of the United States, Certificated Security Holder of the principal debtor/Franchise/Cestui que Trust XXXX XXXX XXXX, I have dominion over all rights/interest of the principal debtor, all enjoyments, proceeds, titles, deeds, bonds, chattel papers and securities are due unto me as I have the right of subrogation as the holder in due course. All property of the Precedent vested Estate has been conveyed into the Jurisdiction of the The XXXX XXXX XXXX. 

2. The information that you are using in the public selling consumers private information to make a profit is private property of the XXXX XXXX XXXX XXXX. You have not received permission to use, nor have you compensated the beneficial owner of the private trust property. All of your credit reports are inaccurate as I am the original creditor that has extended credits to all financial institutions making any reports to you about the principal, I am in care of XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 

3. Can you show proof of possession that you are the Certificated Security holder of the Precedent Vested Landed Estate [ XXXX XXXX XXXX ]? Can you show proof of possession of an equitable title or certificate from the Trust with rights of use of the private property of the Trust?

4. This Matter creates a constructive trust, and you are now being appointed fiduciary with limited power to act on behalf of the Precedent Vested Landed Estate. Since you are assuming the position as debtor in respect to property held in the XXXX XXXX XXXX XXXX and using the private property to make a profit in the public without compensating the beneficial owner, I now demand from you the following things : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, is Reporting fraud by stating there are late payments, you are apart of this conspiracy by also reporting the fraud as well. Also, any charged off accounts is income owed to me and income should not be reported on the consumer report. I demand you report that all payments are fully current and there are no late payments and XXXX missed payments. 
2. I demand that the consumer credit score of the Precedent Vested Landed Estate [ XXXX XXXX XXXX ] stay at XXXX and always in perfect standing. 

XXXX. Remove all hard inquires XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ( AUTO ) XX/XX/20XXXX XXXX XXXXXXXX ( AUTO ) XX/XX/2022 XXXX OF XXXX ( AUTO ) XX/XX/2022 XXXX XXXX XXXX ( AUTO ) XX/XX/2022 XXXX XXXX XXXX ( AUTO ) XX/XX/2022 XXXX XXXX ( AUTO ) XX/XX/2022 EXPERIAN XXXX XXXX ( FINANCE ) XX/XX/2022 XXXX XXXX ( FINANCE ) XXXX XXXX XXXX OF XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( AUTO ) XXXX XXXXXXXX XXXX XXXX ( FINANCE ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( AUTO ) XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( FINANCE ) XXXX XXXXXXXX XXXX XXXX XXXX  ( FINANCE ) XXXX XXXX XXXX ( FINANCE ) XXXXXXXX XXXX XXXX XXXX ( FINANCE ) XXXX XXXXXXXX XXXX XXXX ( FINANCE ) XXXX XXXX XXXXXXXX XXXX ( FINANCE ) XXXX XXXXXXXX XXXX XXXX ( FINANCE ) XXXX XXXX 5. Can you or the corporations making fraudulent reports show proof of possession of the original negotiable instrument in order to enforce the instrument? Can you Show proof the original note was not destroyed voluntarily by way of securitization discharging all debt?

6. Claiming there is an alleged debt when the Bill/note was destroyed by way of securitization therefore fully discharging all debt between parties according to U.C.C 3-604 ( a ) A person entitled to enforce an instrument, with or without consideration, may discharge the obligation of a party to pay the instrument ( i ) by an intentional voluntary act, such as surrender of the instrument to the party, destruction, mutilation, or cancellation of the instrument, cancellation or striking out of the party 's signature, or the addition of words to the instrument indicating discharge, or ( ii ) by agreeing not to sue or otherwise renouncing rights against the party by a signed record. 

This is fraud and misrepresentation of the material facts, the character and legal amount of debt. This is an ultra vires act, usurping powers that are not within your charter/Bond nor authorized by law. 

Any false representation of material facts made with knowledge of falsity and with intent that it shall be acted on by another in entering into contract, and which is so acted upon, constitutes fraud, and entities party deceived to avoid contract or recover damages. Barnsdall Refining Corn. V. Birnam wood Oil Co., 92 F 2d 817.

Mr. Justice Marshall said : The doctrine of ultra vires is a most powerful weapon to keep private corporations within their legitimate spheres and to punish them for violations of their corporate charters, and it probably is not invoked to often. Zinc Carbonate Co. V. First National Bank, 103 Wis 125, 79 NW 229 American Express Co. v. Citizens State Bank , 194 NW 430 7. WHEREAS As all government entities and alleged private corporations must be a creature of the American Constitution, this is a formal Request and Command for you to produce for the record, the Legislative Act that created your Authority to 1 ) enforce an instrument you are not in possession of, 2 ) or to enforce an instrument that was destroyed by way of securitization a voluntary act to discharge all debt. 3 ) Prove your authority to legislate over the Precedent Vested Landed Estate [ XXXX XXXX XXXX ] Private Property of XXXX XXXXXXXX XXXX XXXX. Take notice that a de facto basis for powers of authority is not sufficient in this matter. Failure to provide proof of your de jure authority appointed from the Executor Office of the Precedent Vested Landed Estate [ XXXX XXXX XXXX XXXX of the XXXX XXXX XXXX constitutes your actions as ultra vires and by operation of law your Charter is dissolved by usurping powers you do not have, a trust arises, and I become beneficiary of said trust. As beneficiary to your dissolution, I special deposit for credit on account and order all debts be paid from your capital stock. 

8. Conclusion : Do you have the original bill ( negotiable instrument ) in your possession to enforce the instrument to report payments of a debt? Can you prove the original note was not destroyed by way of securitization and discharging all debts? Do you have the certificated security instrument issued by the United States to show proof of possession over the principal debtor for subrogation rights over all proceeds of the principal debtor? 
If you can not prove or rebut anything stated within this legal document, you fully agree with all demands being made. Your silence is acquiesced and considered as all demands will be met accordingly. You Now have 10 business days to fully respond to this legal document.

9. For all damages and harm caused to the XXXX XXXX XXXX I make the following claims against you according to the Fee Schedule of the Trust : 1. Fraud and False Statements- {$30000.00} 2. Conspiracy- {$250000.00} 3. Failure to Respond- {>= $1,000,000} ( If you fail to respond to this Affidavit ) 4. Failure to Respond as Outlined in this Notice of Claim- {>= $1,000,000} I declare under penalty and perjury under the laws of the United States of America that the foregoing is true and correct. 28 USC 1746 Executor Office, THE XXXX XXXX XXXX, XXXX XXXX XXXX, Precedent Estate, President of the Board of Directors of The XXXX XXXX XXXX XXXX XXXX, non-citizen, National of the United States

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