Consumer complaint received 2021-07-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HEAD MERCANTILE CO., INC. (OH)

XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, OH, 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 XXXX 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 alleged account reported by debt collector HMC Group 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 can and HMC Group violated this when they responded to the debt validation dispute through the CFPB portal saying that the alleged debt is valid. 

Fact, HMC Group admits to not being present at the alleged time of the documentary evidence therefore any copies that HMC Group 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 APT Management can not be the original credit as claimed by HMC Group. I, XXXX XXXX am in fact the consumer, natural person, and original creditor. 

Fact, the term consumer reporting agency as defined by 15 USC 1681a ( f ) means any person which for monetary fees, dues, or on a cooperative nonprofit basis, regularly engage in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumer for the purpose of furnishing consumer reports to third parties. Being that HMC Group has chosen to report this alleged account to my consumer report makes them a consumer reporting agency.

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 account by the debt collector HMC Group contains information that contributes to the alleged experience and transaction between I, the consumer and the alleged creditor which is claimed to be APT Management.

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 account by the debt collector HMC Group 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 collector or consumer reporting agency 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 account reported by debt collector HMC Group 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 alleged account by the debt collector HMC Group from their 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.