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 information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have sent in three lawful debt request affidavits to XXXX  XXXX XXXX has previously responded that it will not respond to any document request i ask for even though they have not sent nor verified information i asked for.The documents I asked for was validation of debt ( the actual accounting ) Verification of the claim against me ( signed invoice ) copy of the contract binding both parties ( me and you ) .XXXX XXXX did send the statement but a statement is not a signed invoice and they sent a copy of the loan application which does not constitute a contract as it is only signed by one of the parties ( me ) XXXX XXXX never sent a contract signed by both parties.Sending me a confirmation that everything is verified is not proof either and is unacceptable also sending the same documents that XXXX XXXX continues to send is unacceptable.Since XXXX  XXXX is unable to verify/wont verify the documents I asked for which is a lawful reasonable request.and XXXX  XXXX has had 30 60 even 90 days to send the documents.According to law if an affidavit is sent and its unrebutted it stands as truthXXXX XXXX has failed to rebut and has failed to update credit report within 30 days 60 days even 90 days which is against the law. 
Criminal acts of XXXX XXXX XXXX XXXXThe automobile contract was void-ab-initio because credit acceptance lied and never intended to lend a single cent of their own asset XXXXA valid contract must have lawful or valuable consideration.The contract failed for anticipated breach.XXXX XXXX never planned to give the Buyer/borrower ( me ) any valuable consideration 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 concealed the fact from the buyer ( me ) that it would be using the buyers ( me ) promissory notes ; first to clear all the liens and encumbrances in order to convey clear title to the buyer and then use the second promissory note to obtain more money from the Federal Reserve Bank or other institutions that buy and sell securities.XXXX XXXX received up to XXXX times the amount of money required to purchase the property and kept the proceeds to itself without telling the buyer ( me ) XXXX XXXX  XXXX violated its corporate charter by lending credit or nothing at all to the buyer XXXX 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 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 engaged in a contract outside its lawful mandate.An ultra vires contract is void or voidable because its non existent in law XXXX.Everyone involved in this undertaking with XXXX  XXXX starting with the loan officer, lawyers and even central bank are equally guilty by association by aiding and abetting XXXX  XXXX in its commission of its crimes against the buyer ( me ) 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 ) I will also like to make it clear that if XXXX  XXXX continues with sending the same documents reporting inaccurate information or continue to say verified without showing proof of any and all documents I lawfullly requested.My next step will be to open a federal questioning case against XXXX XXXX and XXXX XXXX

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