Consumer complaint received 2022-11-28
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Pursuant to Title 15 USC 1681b the transaction history regarding the XXXX XXXX account is not consistent, should be removed and constitutes a {$2000.00} fine per FCRA and FDCP violations plus as a EXPERIAN willfully and/or negligently violated 15 U.S.C. 1681e ( b ) by failing adhere to the guidelines prescribed by Congress that the rights of this federally protected consumer. 
It is a fact that pursuant to 18 USC 3663 ( 2 ) EXPERIAN has caused COMPLAINANT to become a VICTIM of IDENTITY THEFT pursuant to 15 USC 1681 a ( q ) ( 3 ) by AGENTS of XXXX using the private identifying information of the COMPLAINANT for commercial purposes without the expressed written permission of the COMPLAINANT. 
COMPLAINANT is aware and knows that the COMPLAINANT as the Secured Party is HOLDER IN DUE COURSE of the PREFERRED STOCK ( UNITED STATES XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : and holds a prior, superior, security interest and claim on the EXPERIAN XXXX as a DEBTOR and DEBTORs property which does not exclude ALL FILES containing the name and private information relating to XXXX XXXX XXXXXXXX XXXX XXXX XXXX. 
My address is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  All six other address being listed on EXPERIAN credit report are non-mailable addresses and must be removed. 
It is a fact that EXPERIAN theft of your affiant/victims identifying information is a destruction of your affiant/victims right to privacy pursuant to 15 USC 1692 a. 
It is a fact that in violation of 15 USC 1681b, AGENTS of EXPERIAN created FILES with the trademarked and copyrighted private property of your affiant without permission or written instructions from your affiant. 
It is a fact that pursuant to 15 USC 1681M there was a willful non-compliance to compliance procedures in violation of 15 USC 1681e regarding 15 USC 1681b2.

It is a fact that in violation of 15 USC 1681N, EXPERIAN neglected to follow compliance procedures in violation of 15 USC 1681e regarding 15 USC 1681b2. 
If the COMPLAINANT is wrong in making any stated claim, ADDRESSEES as TRUSTEES are ordered to correct the record point-for-point using facts of law or waive the right to defense against any error, omission, flaw or defect regarding said claim as ADDRESSEES silence will be noted as acquiescence to said statements. 
COMPLAINANT is aware and knows that in the event of any opposition to this NOTICE OF INTENT TO SUE, the opposition must be done by rebutting each and every point, point by point and making said rebuttal public record. 
COMPLAINANT is aware and knows that all complaints of mail fraud can be handled through the XXXX. 
COMPLAINANT is aware and knows that the terms and conditions of said treaty must be followed by all who choose to use the UNITED STATES POSTAL SERVICE for all mailings. 
EXPERIAN caused commercial harm, damage and injury under pretense and colors to this COMPLAINANT and are in breach of numerous legal duties imposed upon the peoples Public Offices, and by Law are barred, estopped and precluded under the " CLEAN HANDS DOCTRINE, '' and PUBLIC POLICY '' from making any claim or right, title, or interest thereon. ( See : 18 U.S.C. 1001 ). Are we correct in making this claim? And if no, please correct us in writing, point- for -point under the penalty of perjury using facts of law.

It is a fact, that in violation of 15 USC 1681b ( a ) ( 2 ), no written instructions were given validating EXPERIAN use of your affiants private information for commercial use.

It is a fact that EXPERIAN theft of your affiant/victims identifying information is a destruction of your affiant/victims right to privacy pursuant to 15 USC 1692 a. Are we correct in making this claim? And if no, please correct us in writing, point- for -point under the penalty of perjury using facts of law. 
It is a fact that in violation of 15 USC 1681b, AGENTS of EXPERIAN created FILES with the trademarked and copyrighted private property of your affiant without permission or written instructions from your affiant. Are we correct in making this claim? And if no, please correct us in writing, point- for -point under the penalty of perjury using facts of law. 
It is a fact that pursuant to 15 USC 1681M there was a willful non-compliance to compliance procedures in violation of 15 USC 1681e regarding 15 USC 1681b2.

It is a fact that in violation of 15 USC 1681N, EXPERIAN neglected to follow compliance procedures in violation of 15 USC 1681e regarding 15 USC 1681b2.

COMPLAINANT, is a foreign Moorish American national and beneficiary to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, said treaty being regarded as the supreme law of the land pursuant to ARTICLE SIX of the CONSTITUTION, whose claim may be referenced by LIBRARY OF CONGRESS XXXX XXXX XXXX XXXX 
It is a fact, that EXPERIAN is a DEBT COLLECTOR as defined by 15 USC 1692a ( 1 ).

It is a fact that pursuant to 18 USC 3663 ( 2 ) EXPERIAN has caused affiant to become a VICTIM of IDENTITY THEFT pursuant to 15 USC 1681 a ( q ) ( 3 ) by AGENTS of EXPERIAN using the private identifying information of your affiant/victim for commercial purposes without the expressed written permission of your affiant/victim.

It is a fact, that in violation of 15 USC 1681b ( a ) ( 2 ), no written instructions were given validating XXXX use of your affiants private information for commercial use. 
It is a fact that after stealing the private identifying information of your affiant, in violation of 15 USC 1681d ( 2 ) B, although CONGRESS has instructed that authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card is to be excluded from what may be referenced as a consumer report, EXPERIAN did damage to your affiant by refusing to exclude the reporting of the fraud based XXXX XXXX as further destruction of your affiants right to privacy. 
In violation of 15 USC 1681 ( e ) EXPERIAN willfully and negligently failed to provide proof of investigative consumer reports done as defined in the statute by CONGRESS via any natural person serving as a senior AGENT OF EXPERIAN and recorded in writing under penalty of perjury attesting to the evident fact that this affiant was in possession of goods, services, or money regarding the disputed transaction involving said It is a fact that EXPERIAN AGENTS willful noncompliance to 15 USC 1681 ( e ) whereby EXPERIAN AGENTS have refused to provide proof of investigative consumer reports being done as defined by CONGRESS is a violation by EXPERIAN AGENTS of 15 USC 1692 ( e ) 10 as your affiant has been damaged by EXPERIAN use of false representation and deceptive means to facilitate debt collection.

It is a fact, that in violation of 15 USC 1681 ( e ) EXPERIAN did create investigative consumer reports based on alleged specific factual information damaging to your affiant on several accounts. 
It is a fact that EXPERIAN AGENTS violation of 18 USC 3663 ( 2 ) is evidence of EXPERIAN AGENTS violation of 18 USC 1346 by EXPERIAN AGENTS involving affiant in a scheme designed to deprive your affiant of honest services.

It is a fact that in violation of 15 USC 1681 a ( q ) ( 3 ), EXPERIAN causing affiant to become a VICTIM of IDENTITY THEFT pursuant to 18 U.S. CODE 3663 ( 2 ) is evidence of EXPERIAN AGENTS violation of 18 USC 1346 by EXPERIAN AGENTS involving affiant in a scheme designed to deprive your affiant of honest services.

It is a fact that COMPLAINANT, spouse and two children have all become aggrieved party/victims as a result of abusive, deceptive and unfair debt collection practices of EXPERIAN as defined by 15 USC 1692a after a theft of affiants private identifying information.

COMPLAINANT suffered damage from emotional stress from the personal bankruptcy stemming from EXPERIAN unfair and abusive practices and invasions of privacy as mentioned in 15 USC 1692a.

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