Consumer complaint received 2025-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
* * Consumer Credit Report Affidavit of Fact * * Prepared for : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone : XXXX Email : XXXX Last XXXX of XXXX : XXXX Date : XX/XX/XXXX Addressed to : Experian XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, XXXX  XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX * * * XXXX. It is a fact, that pursuant research and development by the affiant consumer as the XXXX reporter, I have reasonable assumption that the process from the XXXX United States Bankruptcy using gold has been in circulation and since then has been concealed from claimant consumer credit protection services to be the basis of all economic stability, see further 15 USC 1601 not limited to though directly invoked, I being a federally protected consumer, so be it. 

XXXX. Its a fact, that pursuant research and development by the affiant consumer, I have reasonable assumption that all debts of the US is Obligated and Secured to the same congress. I further place the due diligence obligation upon you for the debt validation for all alleged consumer debts that you may claim is reported or held to the United States, any debt collector or " 3rd party '' or any form of public debt that I have a reasonable suspicion the CEO or chief executive officer may not exist for the United States. 

XXXX. It is a fact, that United States Congress in session that did so enact the codes pursuant 15 USC chapter 41 Consumer Credit Protection Act and secured all resident persons to the same. I reasonably believe that no claim exists or obligation exists for any debt that is not protected by this public act for the purposes when making household goods and services to consumers, whereby the reason which is the new Consumer Financial Protection Bureau, which is in place to address the above collections and reportings accosted upon me. 

4. In fact, that United States Congress did so state emphatically that pursuant 15 USC chapter 41 with consumer credit provisions and FDCPA violations can result in injury, damages, loss of employment, and have caused issues in both financial and nonfinancial aspects of citizens, see all exhibits for above requests and motions. 

5. It is a fact, that I directly request a bill of particulars for any said debt since no true, I do directly request from the assignee of any contract in interest pursuant to XXXX regulations or further inquiry into the associated agreements as it is in direct violation of 15 USC 1692 ( g ) ( 1 ) collection of a debt named as a consumer. I have discovered that all 15 USC 1692 controls all reporting and collection actions, and I believe original creditor contracts must be provided. 

XXXX. It is a fact, that Congress in USC chapter 41 it is a fact that 15 USC chapter 41, not limited is clear statutory law as to how if they can not meet or exceed relief of the general publics, so be it. 

XXXX. It is a fact, that the consumer has location information and or a place of abode, not an address or anything else to be listed under commerce and trade, that I, affiant and fact can produce, and I notice I seek a private mail box, and I give all notice of record. 

XXXX. It is a fact, that by this notice and demand, notice of mistake of material fact that I do not tow any obligations or debts of the United States and I declare I have not had first-hand knowledge of the alleged debts listed on your website, accounts, company records, or any and all derivatives thereof, and/or all persons, agencies, and other reporting agencies and or data providers unknown to me and hereby demand strict proof and verification of such alleged, unverified, debt, so be it. 

XXXX. Affidavit of truth herein instructed : Fact, that false information has induced by reporting agencies against my name being incorrect, and I demand the documented verification of any and all derivatives for an alleged debt for any such debts alleged to be mine, XXXX XXXX XXXX, the consumer : in fact, so be it. 

XXXX. Fact, all creditors must be aware that if they were eyewitnesses to their allegations, then they must know what stole my identity and possibly copied my identification, thus attached to my identity and attempted to bind me to fraudulent/unvericable contracts which on entity assumption of title and obligation must be rebuked and denied since credit bureaus or reporting agencies can not assign or claim artificial person, not be, I as a natural person can not accept commerce by using an artificial person, so be it. 

XXXX. Affidavit of notice and request : Fact, after careful review of alleged debts and collections, I have yet to find any liens or Secretary of State or county web site searching for any valid State liens, if so show evidence and record. 

XXXX. Fact, I never set across a table from any of the alleged creditors and debt collectors and never entered into an audit with any receiving a meeting in person, so be it. 

XXXX. Fact, I know of no valid direct verified contracts exist with me and another party by wet ink signature for the alleged accounts being herein scrutinized. I also find no account or contract in my birthright name, nor have I seen such accounts, so I deny and document all verification as unverified. 

XXXX. Affidavit of notice of alleged misconduct : Fact, all entities attaching alleged accounts, loans, credit cards, and other financial instruments to my credit, without lawful right or contract binding through injury or otherwise, is contrary to and it is unlawful due to the contract being not authentic and binding and therefore must be removed with all others for the same reason, so be it. 

XXXX. Fact, please show rightful claim in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so be it. 

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

XXXX. Fact, I am * the removal of my information from your website, company records, or any and all derivatives therefore, and/or with any of your affiliates will ensure my privacy rights will not be violated again to my lack of consent and this authenticated notarized affidavit is sufficient demand to reduce my identity damages, standing as truth in commerce, so be it. 

XXXX. Affidavit of notice of right to use for public law : 48 ; 48 ; 112 : Fact : I am not a debtor. 

a ) Fact, I am a Secured Party Creditor pursuant 15 USC 1692 and for record it is fact that I secured the statute by " DISCHARGES ALL DEBTS PURSUANT TO XXXX CONGRESS, SESS 1. CHS 48 ; 49 ; '' b ) 18 U.S. Codes 241 : Conspiracy against rights : c ) XXXX XXXX XXXX, XXXX XXXX XXXX at XXXX : d ) 15 U.S.C. 2415 : Civil penalties. 

XXXX. Fact, all rights reserved without prejudice and notice to agent is notice to principal and vice versa ; all information herein is correct and true to the best of my knowledge and belief, so be it. 

* * * * * Specific Disputed Accounts and Demands : * * * XXXX XXXX * - Account Number : XXXX, XXXX - Address : XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX - Balances : {$1300.00} and {$910.00} XXXX XXXXXXXX  XXXX XXXX XXXX - Account Number : XXXX, XXXX - Address : XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX - Balances : {$550.00} and {$520.00} XXXX XXXX  XXXX XXXX ( XXXX XXXX XXXX XXXX  - Account Number : XXXX - Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX - Balance : {$630.00} * XXXX XXXXXXXX XXXXXXXX XXXX XXXX Account Number : XXXX - Address : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX - Balance : {$1800.00} * * * * * DEMAND FOR PERSONAL INFORMATION CORRECTNESS * * I demand that only the following personal identifying information appear on my credit reports : - Name : XXXX XXXX XXXX - Address : XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX - Phone : XXXX - Email : XXXX Delete all other names, addresses, telephone numbers, employer information, and variants not matching my listed identity and contact information. 

* * * * * * * Dating as far back as XXXX I have filed disputes and identity theft reports with the police all for the information to be removed and then again furnished by companies and the reporting agencies as well. I have stated that my information was exposed in a data breaches such as XXXX, XXXX XXXX, and my information has been fraudulently used even in other states that I do not live in for utilities and other services and goods. I have given proof as well as stated laws 15 USC 1681 I did not give permission in any way to furnish my information in any way. And still each time they say the information is verified and correct. Which has damaged me in many ways I'm unemployed, carless due to adverse action being denied for personal loans credit cards jobs just about anything that has to do with credit I have been denied.

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