Consumer complaint received 2016-10-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Experian resude to delete invalied information from my credit report causing my credit score to drop XXXX POINTS/ XXXX / AND XXXX HAS BUT EXPERIAN REFUSES On XXXX XXXX, XXXX, Congress enacted XXXX to suspend the gold standard and to abrogate the gold clause. This resolution declared that " Whereas the holding or dealing in gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency... are inconsistent with the declared policy of congress... in the payment of debts. 

This resolution declared that any obligation requiring " payment in gold or a particular kind of coin or currency, or in an amount in money policy ; and... Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. '' A farm control bill around the same time period had attached to it a clause making Federal Reserve notes legal tender. In XXXX, the Supreme Court struck down the Farm Control Act, thus carrying with it the legal tender status of Federal Reserve notes. Prior to XXXX, Federal Reserve notes were used for inter-bank transfers. Around XXXX, Congress passed a bill which called for the withdrawl of Federal Reserve notes from public circulation ; but, they are still with us... *NOTE that the words do not talk about " payment '' of debt, but clearly states that " Every Obligation... Shall be discharged. '' In the case of XXXX, XXXX, the court explained the legal distinction between the words " payment '' and " discharge '' : " There is a distinction between a `debt discharged ' and a `debt paid. ' When discharged the debt still exists though divested of its character as a legal obligation during the operation of the discharge. Something of the original vitality of the debt continues to exist, which may be transferred, even though the transferee takes it subject to its disability incident to the discharge. The fact that it carries something which may be a consideration for a new promise to pay, so as to make an otherwise worthless promise a legal obligation, makes it the subject of transfer by assignment. '' Thus, it is clear that, as a result of XXXX and from that day forward ( XXXX XXXX, XXXX ), no one has been able to pay a debt. The only thing they can do is tender in transfer of debts, and the debt is perpetual. The suspension of the gold standard, and prohibition against paying debts, removed the substance for our Common Law to operate on, and created a void, as far as the law is concerned. This substance was replaced with a " Public National Credit '' system where debt is money ( The Federal Reserve calls it " monetized debt '' ) over which the only jurisdiction at is Admiralty and Maritime. 

XXXX was implemented immediately. The day after President XXXX signed the resolution the treasury offered the public new government securities, minus the traditional " payable in gold '' clause. XXXX XXXX, XXXX XXXX, XXXX, proscribes the States making any thing but gold and silver coin a tender in payment of debt -- but, this Article does not contain an absolute prohibition against the States making something else a tender in transfer of debt. 

XXXX prohibits payment of debt and substitutes, in its place, a discharge of an obligation -- thereby not only subverting, but totally bypassing the " absolute prohibition '' so carefully engineered into the Constitution. There is, now, nothing for this Article to operate on, just as there is nothing for Common Law to operate on. Perpetual debt, bills, notes, cheques and credits fall within a totally different jurisdict

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