Consumer complaint received 2022-09-11
Company: Experian Information Solutions Inc.
State: TN
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:
Experian, XXXX and XXXX all have sent out notices in the mail addressed to the XXXX XXXX XXXX XXXX XXXX which constitutes identity theft to 15 U.S.C. 1681a ( 3 ) ( 4abc ) -definitions ; rules of construction ( 3 ) Identity theft-means a fraud committed using the identifying information of another person which is the corporation that the Natural Living Man is the beneficiary over and is not liable for any of its debts which are obligations of the United States Corporation pursuant to 18 U.S.C. 8- The United States is in debt to the beneficiaries and has not paid back all the credits loaned out by the beneficiaries who are the original creditors.15 U.S.C> 1681m ( 4 ) ( a ) ( b ) ( c ), ( 4 ) Identity theft report-the term identity theft report has the meaning given that term by rule of the bureau, and means, at a minimum, a report ( a ) that alleges an identity theft ; ( b ) that is a copy of an official, valid report filed by a consumer with an appropriate federal, state, or local law enforcement agency, including the United States XXXX XXXX XXXX , or such other government agency deemed appropriate by the bureau ; and ( c ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. If Natural Living Men and Women stop giving credit everything shuts down completely and the Consumer Reporting Agencies already had database information established on babies before birthed because those babies are in fact the assets so this debunks the fictitious misleading information that Lawful Men and/or Women owes any debts. The Natural Living Man isnt the corporate name/strawman that he is the beneficiary and that name is backed by corporate paper which was registered, incorporated and traded on. The consumer reporting agencies openly admitted to identity theft because the letters have items listed on consumer report which violates permissible purpose of consumer report pursuant to 15 U.S.C. 1681b, failure to investigate pursuant to 15 U.S.C. 1681d-disclosure of investigative consumer reports, unauthorized use of the social security card pursuant to 15 usc 1602p , fraudulent use of credit cards pursuant ; penalties to 15 U.S.C. 1644a, violation of the privacy act of 1974 pursuant to 5 usc 552a-disclosure of social security number, violation of 42 U.S.C 408-penalties for altering and selling the social security card name and account number, violation of 15 U.S.C. 1681i-procedures in case of disputed item, failure of disclosure to consumers regarding the social security pursuant to 15 U.S.C 1681g and 31 C.F.R. 1.32-full disclosure of the social security number when in fact the consumer reporting agencies are financial institutions that get paid from the unauthorized use of the social security number. The only way for items to be reported on consumer reports only stems from identity theft and fraud because the alleged third party debt collector alters and sell the social security numbers to consumer reporting agencies without permission or written consent by consumers to do so and according to truth in lending consumer reporting agencies are financial institutions. If debt collectors buy and sell debts that means that such debts are paid for in full and constitutes debt collectors buy and sell their own debts which is Ludacris. These consumer reporting agencies are willfully and knowing uttering counterfeit documents of falsified information pursuant to 18 U.S.C. 1001- ( a ) Except as otherwise provided in this section, whoever, in any matter within the jurisdiction of the executive, legislative, or judicial branch of the government of the United States , knowingly and willfully- ( 1 ) falsifies, conceals, or covers up by any trick, scheme, or device a material fact ; ( 2 ) makes any materially false, fictitious, or fraudulent statement or representation; or ( 3 ) makes or uses any false writing or document knowing the same to contain any materially false, fictitious, or fraudulent statement or entry. Corporations can only interface with other corporations which means that any corporation or consumer reporting agencies using the mail system to convey letters of debt constitutes mail fraud pursuant to 18 U.S.C 1341-frauds and swindles when such counterfeit documents are suppose to go to mailboxes of the United States Corporation ( 28 U.S.C. 3002 15a ). Such dishonesty violates 15 U.S.C. 1692e-false and misleading representation especially when The Natural Living Man is the real debt collector.

Other Violations : 15 U.S.C. 1611-willfully and knowing violation 15 U.S.C. 1640-civil liability 15 U.S.C. 1692k-cilvil liability 15 U.S.C. 1681m ( f ) ( 1 ) -prohibition on sale or transfer of debt caused by identity theft ( 1 ) No person shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

15 U.S.C. 1681c-2-block of information resulting from identity theft 15 U.S.C . 1681n-Civil liability for willful noncompliance 15 U.S.C. 1681o-Civil liability for negligent noncompliance 15 U.S.C. 1692g-validation of debt.

15 U.S.C. 1681e-Compliance procedures ( a ) Identity and purposes of credit users- Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title 15 U.S.C. 1666 ( b ) -billing error ( b ) failure to refund any part of the amount of the remaining credit balance, upon request of the Man; and ( c ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone.

All three consumer reporting agencies failed to investigate United States Department of Education whove attempted to convey fictitious debts on the Man yet the President of The United States Corporation has made positive on its debt which serves as proof that such debts are obligations of the United States. Employees of consumer reporting agencies failed to provide proof that the consumer gave them written permission and consent to report items on the consumer reports therefore all addresses, employment and anything reported must be deleted at once because the consumer reporting agencies are in fact in violation of 15 U.S.C. 1681b ( e ) ( 1 ) -A consumer may elect to have the consumers name and address excluded from any list provided by a consumer reporting under subsection ( c ) ( 1 ) ( B ) in connection with a credit or insurance transaction that is not initiated by the consumer, by notifying the agency in accordance with paragraph ( 2 ) that the consumer does not consent to any use of a consumer report relating to the consumer in connection with any credit or insurance transaction that is not initiated by the consumer.

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