Consumer complaint received 2021-07-21
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Affidavit of Truth Be it known to all that I, XXXX XXXX, am in fact the consumer, natural person, original creditor, lender, executor, and administrator. I am not a citizen nor person as defined in commercial statutes. I, XXXX XXXX, am created by God alone and subject only to my creator. 

Whereas, I of age, of majority, give the here in notice to all, I make solemn oath to the one and only most high of creation only ; whoever that maybe, and I depose the following facts ; so be it, now present ; Fact, The Fair Credit Reporting Act is intended to protect consumers against the reporting inaccurate information that is harmful and irrelevant to the consumer and the reported information is inaccurate, harmful, and irrelevant to me as a consumer. 

Fact, The Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached so be it. 

Fact, pursuant to 15 USC 1692 ( g ) no debt collector or court can validate any debt only the consumer, so the debt collectors and consumer reporting agencies are in violation when they tell me, the consumer, that the alleged debts are valid. 

Fact, the consumer reporting agency admits to not being present at the alleged time of the documentary evidence therefore any copies that they may present is heresy. 

Fact, entities can not create debt nor extend credit therefore they can not lend as said so by congress under Title 12 so debt collectors can not be the original creditor as claimed by the consumer reporting agencies. I, XXXX XXXX am in fact the consumer, natural person, and original creditor. 


Fact, the term consumer report as defined by 15 USC 1681 ( a ) ( d ) does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report and the reporting of the alleged accounts by the debt collectors and consumer reporting agencies contains information that contributes to the alleged experiences and transactions between I, the consumer and the alleged creditors. 

Fact, the term consumer report as defined by 15 USC 1681 ( a ) ( d ) does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device and the reporting of the alleged accounts by the debt collectors and consumer reporting agencies violates this. 

Fact, any consumer reporting agency may only furnish a consumer report in accordance with the written instructions of the consumer and I, the consumer, did not give any debt collector nor consumer reporting agency any written instructions to report the alleged account to any consumer report.

Fact, nowhere in federal law is it written that a debt collectors or consumer reporting agencies must report any information to a consumer report regarding a consumer except under the written instructions of the consumer and I, XXXX XXXX am in fact the consumer and did not give any consumer reporting agency written instructions to report any information to any consumer report. 

Fact, an Affidavit that is uncontested, unrebutted, and unanswered stands as truth and the unrebutted Affidavit becomes the judgement in commerce. Unless this Affidavit is contested or rebutted, the alleged accounts reported by debt collectors and consumer reporting agencies must be removed from any consumer report [ United States v. Kis, 658 F.2d 526, 536 ( 7th Cir. 1981 ) ; Cert. Denied, 50 U.S. L. W. 2169 ; S. Ct. March 22, 1982 1982 ] Fact, I am sure that the removal of the following alleged accounts : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX ) from the credit reporting agencies records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy and rights as a consumer will not be violated again, and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce.

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