Consumer complaint received 2024-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
RE : Deceptive and Inaccurate reporting from XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX reporting to Experian, XXXX, and XXXX. 

Experian, XXXX, and XXXX were given notice of error/ notice of inaccuracy/notice of dispute of accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX consumer report on XX/XX/XXXX. I, XXXX XXXX, disputed the inaccurate/incomplete accounts over 30 days ago which I also include proof of the disputed dates attached with this letter. Experian, XXXX, and XXXX are not complying with reasonable procedures according to FTC and FCRA to resolve the dispute which is normally 30 days after the CRA ( Experian, XXXX, and XXXX ) gets the dispute from the consumer ( XXXX XXXX ). Experian, XXXX, and XXXX must remove all disputed inaccurate/incomplete accounts from XXXX XXXX XXXX report no later than 30 days. 

Please consider this letter as a form of communication to freeze credit reporting accounts with Experian, XXXX, and XXXX. 

I dispute owing any and all alleged debt to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. This information looks suspicious and deceptive. These adverse/inaccurate/incomplete accounts are preventing me from relationships with other creditor accounts and negatively effecting my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, and lifestyle. 

Experian, XXXX, and XXXX has not provided all documentation relevant to XXXX XXXX consumer account that was requested. I have listed additional questions that are to be answered in its entirety listed below accurately and completely or the accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX must be deleted from the report immediately. 

Every question and requested documentation listed below 1-15 must be answered and provided or the alleged debt of all accounts listed in this complaint must be removed. 

1. Provide the original purchase agreement bearing XXXX XXXX written signature if any for all the alleged accounts. ( Please understand I deny any and all alleged debt ; I am not asking for proof of just name or address because that is not what is in question ) 2. Does XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, generally accepted accounting principles? Yes or no? 
3. How was the alleged debt calculated keeping in compliance with XXXX, generally accepted accounting principles? 
4. What are the internal controls Experian, XXXX, and XXXX follow to guarantee the accuracy and integrity of the information in XXXX XXXX consumer report? 
5. Provide every employee 's full name, employee position within the company, and employee ID of the individuals that guarantee the information supplied by Experian, XXXX, and XXXX is as accurate as possible. 
6. What is the accurate date of delinquency from the alleged original creditors?

7. Did you or the company you are collecting for give full disclosure when the funding of this alleged loan was created regarding bookkeeping entries? Yes or no?

8. What are the exact accurate amounts of the alleged debt, including cents keeping in compliance with XXXX, generally accepted accounting principles?

9. Did either the original creditor or the debt collector record a new asset showing the consumer owes money to either party? Yes or no?

10. Is it true that the original creditor violated XXXX, generally accepted accounting principles, in turn making the agreement null and void? Yes or no? 
11. Provide every employee full name, employee position within the company, and employee ID of the individuals that guarantee the information supplied by the financial institutions/data furnishers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is as accurate as possible. 
12. Provide all reported findings from every financial institution/data furnisher in this complaint given to Experian, XXXX, and XXXX to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX must provide corrected information to Experian, XXXX, and XXXX that received the information if their investigation shows the information is incomplete or inaccurate ; and modify the information, delete it, or permanently block its reporting if the information turns out to be inaccurate or incomplete or cant be verified. 
14. Provide confirmation of this information with the company received from the alleged original party for this account.

15. If XXXX did not furnish any information of the inaccurate account to Experian, XXXX, and XXXX for XXXX XXXX account, how was this inaccurate account furnished to Experian, XXXX, and XXXX? 

Send all responses by email only to XXXX and through CFPB Complaint Portal XXXX  XXXX states As a result of XXXX XXXX, and from that day forward ( XX/XX/XXXX ), no one has been able to lawfully pay a debt or lawfully own anything. The only thing one can do is tender CREDIT in exchange of debts, with the debt being perpetual. The suspension of the gold standard, and prohibition against paying debts, removed the substance for our common law to operate on, and created a void as far as the law is concerned. This substance was replaced with a PUBLIC NATIONAL CREDIT SYSTEM where debt is LEGAL TENDER money. XXXX XXXXXXXX was implemented immediately. The day after XXXX XXXX signed the resolution, the treasury offered the public new government securities, minus the traditional payable in gold clause. XXXX states that one can not demand a certain form of currency that they want to receive if it is dollar for dollar. 
In consideration that only XXXX XXXX exists in circulation with which to discharge debt ; and in order to facilitate lawful commercial transactions ; and in order to lawfully engage in commerce the XXXX XXXX XXXX XXXX shall issue negotiable instruments in adherence to public policy, XXXX, XXXX, and the accounting principles under XXXX. All commercial processes shall be truthful, open, and above board ( full disclosure ). The Company intends to apply the net proceeds from the sale of the four Secured Debt Obligations for the research, development, and applications of knowledge and substance in the fields of science, medicine for the general health, and justice. 
Regulation United Nations Commission on International Trade Law ( UNCITRAL Convention ) Article 8 Uniform Commercial Code Securities and Exchange Commission Federal Trade Commission The Office of the Comptroller of the Currency This letter is from XXXX XXXX, and not provided or prepared by a credit repair organization. 

If you dont comply you may be sued.

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