Consumer complaint received 2022-03-02
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am XXXX XXXX and Im submitting this complaint myself and and there is no third party involved. I sent XXXX an Affidavit of Truth, Bill of Particulars and Cease and Desist that was sent and delivered around XXXX XXXX according to USPS. XXXX did not review my concerns or attempt to provide the information that I requested. XXXX sent me my documents back as if they did not care about my concerns of my consumer rights being violated. XXXX has violated my cease and desist. XXXX has committed numerous violations of my consumer rights including but not limited to 15 USC 1692b ( 2 ), 15 USC 1692j ( a ), 15 USC 1692e ( 2 ) ( A ), 15 USC 1692e ( 7 ), 15 USC 1692e ( 8 ), 15 USC 1692e ( 10 ), 15 USC 1692f and many more which has been outlined in an Affidavit of Truth that was sent to them and delivered with a signed return receipt as proof of delivery. XXXX committed numerous crimes against me including but not limited to 18 USC 1341, 18 USC 3718, 18 USC 1028A and more which has been outlined in an Affidavit of Truth that was sent to them and delivered with a signed return receipt as proof of delivery. XXXX has yet to provide a sufficient response and presented me with insufficient information/documents to prove the alleged debt belongs to me and report false and fraudulent information in an attempt to compromise my financial reputation, cause emotional distress, defamation of character and other unseen injuries. XXXX recently stole my vehicle as an attempt coerce me into paying an alleged debt that does belong to me nor do I owe. I demanded that XXXX send me the following information to prove that the alleged debt was mine : ( 1 ) Name and address of the original creditor who created the debt, ( 2 ) Name on file of alleged debtor, ( 3 ) Alleged account #, ( 4 ) Address on file for alleged creditor, ( 5 ) Amount of alleged debt, ( 6 ) Date this alleged debt became payable, ( 7 ) Date of original charge or delinquency, ( 8 ) Was the debt assigned to a debt collector, ( 9 ) Amount paid of debt purchased, ( 10 ) Commission for debt of collection efforts are successful, ( 11 ) Documentary evidence that this agency is in fact the holder in due course, & ( 12 ) Certified copy of the original negative information notice required by FCRA Section 623 ( 7 ) ( A ). XXXX responded with a fraudulent contract that they alleged I signed but it did not have my wet ink signature on it. Presenting me with this fraudulent contract has been construed as them attempting to not only hide evidence but commit fraud against me in an attempt to pay an alleged debt they can not prove is mine. XXXX presented me with a fraudulent contract as their proof of the alleged debt, that did not fully disclose all accurate and truthful information in the loan contract. XXXX gave a response that was not sufficient as they did not provide all the information requested above. They are unable to produce an original contract with my wet ink signature because they do not have one and can not prove that I initiated this consumer credit transaction. XXXX defaulted on the Affidavit of Truth. Pursuant to 15 USC 78m ( q ) ( 1 ) ( c ) a payment means that is made to further the commercial development of oil, natural gas, or minerals. XXXX ttempts to collect payment are a violation of federal law, and the contract stating payments on the loan is deceptive as well as null and void. XXXX has continued to violate 15 USC 1681 ( a ) ( 1 ), 15 USC 1681b ( 2 ), 15 USC 1692e ( 8 ), 15 USC 1692e ( 2 ) ( A ), 15 USC 1692e ( 10 ) and 15 USC 1692f by claiming I owe an alleged debt and by falsely and fraudulently reporting information they know is not true to consumer reporting agencies in an attempt to use unfair and deceptive means to make me pay an alleged debt I do not owe and they can not prove I owe and by doing so without my written permission to do so. I demanded in writing that XXXX stop reporting this false, fraudulent information and alleged debt to consumer reporting agencies and furnishing my report with this false, frivolous and fraudulent information. XXXX continues to report to consumer reporting agencies, without my consent, that I owe an alleged debt however that alleged debt is being reported in a positive balance. It is impossible to pay/owe on a positive balance, if it was an actual debt and is owed it should be shown in the negative. The promissory note that I signed to get the loan is actually a credit instrument that was used in order to grant bookkeeping entry into the loan account which is equivalent to money. The alleged debt was already paid for with the signing, delivery, acceptance, and deposit of the promissory note. The moment I signed its blank indorsement and XXXX took and made it a special indorsement according to UCC 3-205. Pay to the order of and its then negotiated for face value or close to it. This alleged debt is not an actual debt. The United States government created a bond ( which is my birth certificate ) with which negotiable instruments may be issued. My bond and social security number provided the security interest for the consumer credit transaction. Security which covers all obligations or alleged obligations which is that of the United States government pursuant to 18 USC 8. The United States has also issued full faith and credit on my bond as evident by article number XXXX. I attempted to use a negotiable instrument as payment as an attempt to decrease the national debt, which is my lawful right. that was sent to XXXX. XXXX is refusing to accept my negotiable instrument as form of payment and apply it to the account which is my consumer right and is backed by federal law that overrides their companys policy. My account is associated with an open ended consumer credit plan and XXXX has failed to balance out my account every month to rectify their bank error caused by their mismanagement of payment. XXXX has yet to produce an Insurance audit trail, a money audit trail in accordance with GAAP, or full disclosure in accordance with 15 USC 1681g and all other documentary evidence in accordance with 15 USC 44 which I demanded. Pursuant to 31 USC 3718 XXXX has to have a contract with the Treasury in order to even collect an alleged debt which XXXX does not have. I also informed XXXX that a sufficient response to my Affidavit of Truth was an affidavit with rebuttal, point for point anything else would constitute as a non-reasonable response and that not only does my unrebutted affidavit stand as truth in commerce. As a result of these documents being sent ( Affidavit of Truth, Bill of Particulars and Ceased and Desist ) to restore my financial reputation, XXXX has stolen my vehicle, and enlisted the help of a third party, which is an attempt to discriminate against me pursuant to 15 USC 1691 ( a ) ( 3 ) and an attempt to coerce me into paying the alleged debt pursuant to 10 USC 921. Pursuant to 12-1641, as XXXX has failed to resolve my concerns within sixty days this alleged debt must be discharged. As XXXX continues to attempt to commit fraud and racketeering against me and violate my consumer rights I will be forced to take necessary actions.

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