Consumer complaint received 2024-06-27 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: IL

Complaint narrative:
OnXX/XX/XXXX a lawful debt request affidavit was sent to XXXX XXXX XXXX I received none of what I requested XXXX XXXX XXXX sent a statement not a signed invoice.They sent a agreement signed by a third party for XXXX XXXX XXXX named XXXX XXXX corporations cant sign because they have no right or mind to contract since they are soulless legal fictions and furthermore no 3rd party can sign a contract on their behalf.They also showed no equal consideration.XXXX XXXX XXXX brought nothing of value to the table and had nothing to lose this company has had more then enough time to send documents i lawfully requested.XXXX XXXX XXXX has since sold the debt to a company name XXXX before verifying anything I requested and is now improperly reporting to credit report.XXXX XXXX XXXX has committed several crimes starting with. Anticipatory Repudication Criminal acts of XXXX XXXX XXXX 1.The contract was void-ab-initio because XXXX XXXX XXXX lied and never intended to lend a single cent of their own asset 2.A valid contract must have lawful or valuable consideration.The contract failed for anticipated breach.XXXX XXXX XXXX never planned to give the Buyer/borrower ( me ) any valuable consideration XXXX XXXX XXXX XXXX XXXX breached all its fiduciary duties to the buyer and is therefore GUILTY of criminal breach of trust by failing in its good faith requirement XXXX XXXX XXXX XXXX violated its corporate charter by lending credit or nothing at all to the buyer ( me ) and then charging interests on this make believe loan.Banks are only licensed to lend their own money not other peoples money.XXXX XXXX XXXX  used the buyers ( me ) promissory note to clear the title which essentially purchased the property from the seller.The transaction is an ultra vires transaction because XXXX XXXX XXXX engaged in a contract outside its lawful mandate.An ultra vires contract is void or voidable because its non existent in law 6.Everyone involved in this undertaking with XXXX XXXX XXXX starting with the loan officer, lawyers and even central bank are equally guilty by association by aiding and abetting XXXX XXXX XXXX in its commission of its crimes against the buyer ( me ) XXXX XXXX XXXX XXXX XXXX and the others who profited from the ultra vires transaction are all guilty of unjust enrichment and fraud for deceiving the buyer ( me ) and for acting in concert in this joint endeavor to deceive the buyer ( me ) XXXX XXXX XXXX has sent me the same information XXXX times! and fails to send the documents I lawfully requested and has had more then XXXX even 90 days to send documents.Credit report should be updated immediately or hold XXXX XXXX XXXX  and XXXX XXXX accountable for federal questioning regarding Anticipatory Repudication UCC 2-610.

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