Consumer complaint received 2024-03-05 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: PA

Complaint narrative:
XX/XX/XXXX Without prejudice I am XXXX XXXX XXXX, the living man, human being, natural person, and consumer. 

I am the Trustor, authorized agent for and beneficiary of the XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( hereinafter the Principal. ) The Principal is identified by Social Security Number XXXX. 

I have attached a durable power of attorney authorizing me to file this complaint on behalf of the Principal. 

As a living man, my rights are protected under natural law, and common law, and are recognized by the United States Constitution. 

I am not in the jurisdiction of any United States court of law, nor am I subject to any of the statutes of the U.S. Code, the UCC, or the CFR, all of which exist to regulate commerce and corporations. 

This complaint is being filed against XXXX XXXX XXXX and all authorized representatives of XXXX XXXX XXXX ( " XXXX '' ) identified by XXXX XXXX. 

XXXX is located at XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX and is therefore within the jurisdiction of the above-mentioned codes and statutes. 

XXXX XXXX XXXX and the authorized representatives mentioned above are all trustees of XXXX XXXX XXXX, having entered into trusteeship of the Principal in the year XXXX. 

XXXX has violated numerous consumer privacy rights, causing damage to my reputation in the business community, and actual damage through denial of extensions of credit from multiple lending institutions. 

I have attached one or more letters bearing witness to the actual harm caused to me through the actions of the trustees. 

The Dodd-Frank Act, Graham Leach Biley Act , Family Act, Facta Act, and 1974 Privacy Act, are all examples of congressional acts and statutes that protect the consumers right to privacy in their transactions and personal financial matters. 

Additionally, XXXX has violated the Fair Credit Reporting Act, including but not limited to 15 UScode1681 ( 3 ), which states that Consumer reporting agencies have ASSUMED [ my emphasis ] a vital role in assembling and evaluating consumer credit and other information on consumers. 

From Blacks Law 4th Edition, we know that to ASSUME is to pretend. To undertake ; engage ; promise. As well as taking up, receiving, adopting, taking to oneself, or to put on deceitfully, take appearance of, affect, or outwardly seem. 

By CRAs, I refer to the Credit Reporting Agencies, namely XXXX, XXXX, and Experian, as well as any other agencies acting similarly. 

As per 15 USC 1681 ( 3 ), the CRAs have no authority under law or statute to publish or validate any financial transactions or accounts on behalf of consumers.

As per 15 USC 1681 ( 2 ) ( A ), and 15 US code 1681b ( a ) ( 2 ), the CRAs may not publish or share the details of any of my accounts or transactions without my express written instructions.

As per 15 us code 1681n, civil liability for willful non-compliance and 15 us code 6802 [ BANK ] s actions have led to the defamation of my character, violation of due process laws/trespass, emotional distress, and discriminatory denial of credit in violation, of the Equal Opportunities Credit Act. 

Any reporting of my private financial transactions to CRAs without my express consent beforehand and my validation and verification is HEARSAY and is not admissible as evidence in any court of law. 

Reporting/furnishing to the CRAs of no authority, and without my written consent is thus ultra-vires, criminal, XXXX crimes, aggravated identity theft, and seeking unjust enrichment. 

I have already attempted to remedy said violations, and I have attached prior correspondence with XXXX. 

No relief has been granted. 

I hereby affirm under penalty of perjury that all of the above is true, accurate, and correct to the best of my knowledge and ability. 

Without recourse By : XXXX XXXX XXXX For XXXX XXXX XXXX XXXX/principal

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