Consumer complaint received 2023-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I XXXX XXXX XXXX, agent, and beneficiary of XXXX XXXX XXXX, declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, misstatements are punishable as perjury under 18 U.S.C. 1621. I am alleging that a person or a company without my authorization rather it be written, or verbal consent used my personal identifying information such as my " social security number '', name, address, etc., to buy, sell, report, or furnish my information. Charge offs and collections are certificates of indebtedness which become income once charged off and CAN NOT be reported to a consumer report. Since successful at least one of the above-mentioned misuses of my information, this debt collector and credit reporting agency is in direct violation for furnishing this unknown account on my credit report and identity theft pursuant 15 U.S.C. 1681 & 15 U.S.C. 6801. These inaccuracies have caused me much suffrage and defamation of my character. 
( g ) Creditor means any person who offers or extends credit creating a debt or to whom a debt is owed. The term creditor does not, however, include any person to the extent that such person receives an assignment or transfer of a debt in default solely to facilitate collection of the debt for another. 

I extended my credit, being my social security number to these companies which makes me the original creditor and grantor. Prove the contrary or delete inaccuracies from my report! 

( h ) Debt means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services that are the subject of the transaction are primarily for personal, family, or household purposes, whether or not the obligation has been reduced to judgment. 
( k ) Person includes - corporations, companies, associations, firms, partnerships, societies, and joint stock companies. 
Title 18 8. - Obligation or other security of the United States defined ( Reference ) The term * '' obligation or other security of the United States* includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States XXXX stamps and other representatives of value, of whatever denomination, issued under any Act of Congress , and canceled United States stamps.

Title 31 3123. Payment of obligations and interest on the public debt The faith of the United States Government is pledged to pay, in " legal tender '', principal and interest on the obligations of the Government issued under this chapter. 
The Secretary of the Treasury shall pay interest due or accrued on the public debt. 
Article I Section 10 Powers Denied States Clause 1 Proscribed Powers No State shall enter into any Treaty, Alliance, or Confederation ; grant Letters of Marque and Reprisal ; coin Money ; emit Bills of Credit ; make any Thing but gold and silver Coin a Tender in Payment of Debts ; pass any Bill of Attainder, ex post facto Law, or Law impairing the Obligation of Contracts, or grant any Title of Nobility. 
There have been no gold or silver coins in natural circulation since XXXX, if so prove the contrary and I am aware that for you to tell me FDR Notes or any other form of unlawful payment is accepted is perjury of oath.

Please provide 1099-A which is required so that the IRS accounting department can properly account for the transfer of these securities from my account to your account. The bank ledger will show proof of funds acquired. Also please provide a 1099-C ( copy B ) as proof of cancellation of the alleged debt/charge off which is now income. 


https : //www.equifax.com/privacy/privacy-statement/ # PersonalDataCollected Commercial Purposes Admission of Violation of 15 U.S.C. 1681 We use and sell personal data to nonaffiliated third parties for the following commercial purposes : Consumer credit reporting. Some of our affiliates collect, use, and sell personal data when acting as a consumer reporting agency, as this activity is regulated by the FCRA. Acting as a consumer reporting agency, these affiliates collect personal data about your creditworthiness, credit standing, credit capacity and mode of living from a variety of data furnishers, share this information with credit providers and other entities when they make decisions to extend credit or enter into transactions with you, assist lenders and other creditors with their portfolio management, and use and/or disclose personal data for other permissible purposes under the FCRA, including, but not limited to, insurance underwriting, government benefits, and employment verification, and other uses at the consent of the consumer. 
Commercial credit reporting. We collect, use, and sell personal data as part of our commercial credit reporting services. These services permit our customers to make informed decisions regarding providing credit to or investing in businesses. Commercial credit reports may contain the names and other personal data of owners, principals, guarantors, or agents of the businesses. 
XXXX XXXX. We collect, use, and sell personal data as part of the XXXX XXXX that we provide to our employer customers. These services enable our customers to provide services and benefits to their employees, and to help manage their workforce in compliance with laws and regulations. Please read the XXXX XXXX XXXX section for more information. 
Marketing services. We collect, use, and sell personal data as part of our consumer and commercial marketing services. This includes providing customers, including digital advertisers, with personal data of potential customers to inform their marketing efforts, or permitting our customers to enhance their existing marketing lists for accuracy and effectiveness. 


XXXX XXXX XXXX Admission of Violation of 15 U.S.C. 1681 3. Disclosing for a business purpose and selling/sharing personal information In the prior 12 months, we may have sold or shared for a commercial purpose or disclosed for a business purpose your personal information to different third parties, as detailed in the chart below. Please note that XXXX may share your personal information for a targeted advertising purpose. 


https : //www.experian.com/privacy/us-consumer-data-privacy-policy Admission of Violation of 15 U.S.C. 1681 2. What Personal Information We Collect, How We Use Personal Information, and To Whom We Disclose Personal Information We collect the categories of personal information and sensitive personal information about you as identified in the chart below. As further set forth in the chart below, in the past 12 months, we have disclosed and sold your personal information to third parties for business or commercial purposes. We use cookies and other tracking technologies, and allow our advertising partners to use similar technologies, so we can, among other things, show you ads promoting Experian on other sites and services. These activities may be considered sales, sharing, or targeted advertising under applicable laws.

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 non-monetary relief