Consumer complaint received 2024-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Each of the above listed alleged creditors received promissory notes, applications and / or other negotiable instruments used to secured credits from the cestui que account ( s ) associated with the XXXX XXXX XXXX XXXX XXXX. This relationship requires the extenders of credit to honor the policies of the XXXX XXXX XXXX, as laid out in XXXX XXXX XXXX circa 1961-62. Neither of the alleged creditors herein listed communicated in any matter that the promissory notes, applications or other negotiable instruments would be received as assets on their company ledgers nor did any of the listed creditors communicate with clarity that the credits used to fund the transactions originated from the cestui que accounts associated with XXXX XXXX XXXX XXXX XXXX. This means that my private credits are what funded each of the accounts held by each of the alleged creditors.

106. Same Subject Concealment or non-disclosure of facts by the creditor. A concealment or suppression of material facts which affect the risk of the promisor will amount to fraud and constitute a defense to the suretyship promise. The law requires good faith on the part of the beneficiary of the cont
ract, and it is the duty of the creditor to disclose information which he has concerning the principal ( Debtor ) which, if known to the promisor, would prevent him from entering into the contract.

If the creditor is applied to for information, or if the circumstances are such that the promisor is in a relation of confidence with the creditor, a failure to disclose everything within his knowledge, that is material for the promisor to know, is equivalent to an affirmative misrepresentation. It is not necessary to show that the concealment or failure to disclose facts material for the surety to know is willful, or with intent to deceive.

The Law of Suretyship by Atty. Arthur Adelbert Stearns ( 1903 ) The fundamental principle of equity is that no one shall be permitted to profit by his own fraud, or to take advantage of his own wrong, or to found any claim upon is own iniquity.

Equity regards as done that which ought to be done, and it is upon this principle that it interferes to prevent fraud and to enforce obligations arising from good faith.

Pomerorys Equity Jurisprudence ( 1881 ) Each alleged creditor is inaccurately reporting negative information about my trust without proper authorization from the Debtors surety or verification. I believe these actions violate my rights as the legal representative of the FIRST NAME, MIDDLE INITIAL, LAST NAME estate, the FIRST & LAST NAME estate and the FIRST NAME, MIDDLE NAME, LAST NAME estate. Each of these estates is associated with the XXXX XXXX XXXX XXXX XXXXXXXX. Given the irrefutable and un-repealed Public Law 73-10 of 1933 and the immutability of 2 Corinthians 8:11-15 , it is fraud to assert the presence of a debt in a legal context of compelled settlement and discharge. Paying a debt is against public policy pursuant to public Law 73-10 because the use of lawful money, ie gold and silver coin to conduct commerce.

a ) I am the beneficiary and surety for the DEBTOR, also I hold equitable interest in each of the accounts held by the alleged creditors. I am also the secured party holding superior claim and the creditor to the UNITED STATES FEDERAL CORPORATION, thus my estate should never be subject to any negative reporting without due process and legal authority pursuant to Public Law 73-10 of 1933 and 2 Corinthians 8:11-15 . The alleged creditors are conveying a lie in that they all entered the promissory notes and applications on their ledgers as assets pursuant the FEDERAL RESEVE BANKS publication entitled XXXX XXXX XXXX. Any assertion of an unpaid bill is a fraud. Bills can not be paid in the UNITED STATES, they can only be settled or discharge pursuant to Public Law 73-10 of 1933.

b ) 15 U.S.C. 1681s-2 - Responsibilities of Furnishers of Information to Consumer Reporting Agencies : The alleged creditors neglected their responsibilities to furnish accurate information to credit reporting agencies, in that each alleged creditor that received a promissory note or an application should have entered those instruments onto their ledgers as assets and disclose that fact to the signers of the instruments. No disclosure of the true nature of promissory notes or applications has been tendered to me.

c ) 15 U.S.C. 1681g - Disclosures to Consumers : The credit reporting agencies are reporting debts despite the delivery of valid promissory note received by each of the alleged creditors. The credit reporting agencies are either reporting inaccurately because they are uninformed by the alleged creditors or the agencies are reporting inaccuracies with scienter. However the inaccuracies are presented, the credit reporting agencies are reporting grossly inaccurate information pursuant to Public Law 73-10 of 1933.

d ) 15 U.S.C. 1681c-2 - Blocking of Information Resulting from Identity Theft : There have been multiple data breaches with each of the credit reporting agencies. The credit reporting agencies have failed to verify the validity of debts ascribed to my estate. The credit reporting agencies are reporting inaccuracies based on identity theft. Specifically, the alleged creditors are reporting the debts as though the debtor is the natural living man XXXX XXXX of the XXXX family, when in fact the debts belong to the XXXX XXXX created by the UNITED STATES FEDERAL CORPORATION and is linked to the BIRTH CERTIFICATE BONDS. The inaccuracies are negatively affecting my ability to conduct commerce, which is constitutionally repugnant.

e ) 15 U.S.C. 1681n - Civil Liability for Willful Noncompliance : The credit reporting agencies, alleged creditors, furnishers, or other entities are willful engaged in noncompliant behavior by reporting negatively on the consumer credit reports since all debts public and private are discharged dollar for dollar. The credit reporting agencies, alleged creditors and furnishers and other entities are violating the Fair Credit Reporting Act ( FCRA ).

f ) 15 U.S.C. 1681o - Civil Liability for Negligent Noncompliance : The credit reporting agencies, alleged creditors, furnishers and other entities willfully negligent in their noncompliance with the FCRA. The codes and the laws are clear and ignorance of the law is no excuse for the credit reporting agencies, alleged creditors, furnishers and other entities.

g ) 15 U.S.C. 1681c - Requirements Relating to Information Contained in Consumer Reports : This section specifies the types of information that can and can not be included in a credit report and for how long it can be reported.

h ) 15 U.S.C. 1681h - Conditions and Form of Disclosure to Consumers : The credit reporting agencies, alleged creditors, furnishers and other entities are willfully failing to acknowledge the fact of Public Law 73-10 of 1933, 18 USC 8 and 2 Corinthians 8:11-15 . All debts are discharged public and private, dollar for dollar, which means negative items on the consumer credit report are a fraud and damaging to the reputation of this living man and my estate.

The credit reporting agencies, alleged creditors, furnishers and other entities are willfully conveying harmful, negative information on my consumer credit reports. Attempts are met with more lies from the alleged creditors, furnishers and other entities to the credit reporting agencies. 

Furthermore, XXXX XXXX  and XXXX  XXXX XXXX  have closed credit card accounts that were in good standing. XXXX XXXX  and XXXX  XXXX XXXX  have failed to show proof of consent from the beneficiary/ surety for the Debtor to close the accounts and create the harmful repercussions on the reputation of this living man and my estates.

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