Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: NJ

Complaint narrative:
This matter involves securities fraud, willfull violations of the FDCPA and FCRA and possibly other violations. The parties involved are XXXX or XXXX, their XXXX XXXX  XXXX Bank of New York Mellon ) ( XXXX XXXX XXXX XXXXXXXX ) and their attorneys XXXX and XXXX. As shown in the attached document on XX/XX/XXXX, I made a FOIL request via certified mail with the XXXX XXXX Department requesting specific information i.e 1. Copies of all annual accounting ( tax ) documents for each of the three different accounts specifically the forms 1099C ; 1099A ; 1096 ; 1099 OID ; INC ; PRC.

2. The complete agreement, full terms and conditions and disclosures for each of the three different accounts.

3. All documents relating to the securitization of each of the three different accounts.

4. Copies of correspondence XXXX XXXX. sent to cardholder XXXX XXXX regarding the securitization of the accounts. 
5. Copies of all XXXX XXXX. Uniform Commercial Code ( UCC ) filings for the three different accounts. 
6. Any documents ( certified ) proving XXXX XXXX. used their own assets to finance the three accounts.

7. Any correspondence XXXX XXXX. received from cardholder XXXX XXXX from XX/XX/XXXX to the present to authorize XXXX XXXX. to check her credit report and to authorize XXXX XXXX. to furnish to the credit reporting agencies at any time. 
8. GAAP Bookkeeping entries for the three accounts in question. 
9. The full name and contact information for the XXXX XXXX. registered agent who accepts summonses and civil complaints on behalf of XXXX. 
I received NONE of the information I requested, instead, I received harassing and abusive correspondence from XXXX 's attorney XXXX and XXXX accusing me of owing XXXX a debt. As shown in the CFPB records, a complaint was filed against the attorney with XXXX and XXXX with the CFPB and the attorney responded with further threats. The attorney 's response is included in the attachment but the attorney did confirm that a recent lawsuit XXXX filed against me falsely alleging this debt was dismissed and that although XXXX was ordered by the XXXX to commence arbitration, XXXX chose not to. This lawsuit filed by XXXX was an intentional abuse of the FDCPA and FCRA because XXXX knew that there was a binding arbitration agreement preventing either party from going to XXXX in the event of a dispute. In addition, XXXX securitized the credit card accounts as explained in the FDIC statement contained in the attachment. XXXX packaged the credit card accounts into a master trust sold it to investor ( XXXX ) and were reimbursed in advance. XXXX then accepted and demanded overpayments and interest from me for over 25 years and then made false statements to the XXXX and the credit reporting agencies alleging that they are owed money. XXXX refused to disclose this securitization to me and despite me specifically asking on various occasions via certified mail and CFPB, they either ignored me or closed the CFPB complaints. This is criminal because XXXX was intentionally concealing and misrepresenting information in order to defraud. XXXX refused on multiple occasions to provide the full terms and disclosures, they failed to prove that they used their own money to fund the credit card account, they avoided signing any statements under penalty of perjury that the alleged debt is valid. Prior to asking XXXX for further information about the securitization process, I asked them to discharge any alleged balance but they refused. XXXX also could not provide any notice of dishonor from a qualified third party such as the US Treasury. Rather than being honest, XXXX hired their law firm to bully and intimidate me. They pretended to be ignorant and instead of providing any of the specific items I requested, XXXX kept sending erroneous billing statements. In addition, I received erroneous billing statements from XXXX 's attorneys and although I did a forensic analysis and asked them to stop and correct, the attorneys followed XXXX 's pattern and refused. Finally, I reached out to the XXXX Trustee Identure with stamped debt securities and asked them to refund all overpayments, interests and dividends but I received no response. XXXX continues to intentionally report inccurate information to the credit reporting agencies despite the fact that according to CFPB there is no federal or state law that mandates reporting to the credit reporting agencies. XXXX further refused to provide any copies of the forms 1099C which constitutes tax fraud. XXXX has a pattern of closing CFPB complaints which is simply an admission of their guilt. Be guided accordingly.

Company response to consumer: Closed with explanation