Consumer complaint received 2024-10-22 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: GA

Complaint narrative:
Subject : Formal Demand for Immediate Deletion of Fraudulent Accounts under FCRA Sections 609, 611, and 605B Dear XXXX, XXXX, Experian I am writing to formally demand the immediate deletion of fraudulent accounts from my credit report. These accounts were created through fraudulent and illegal use of my personal information, including unauthorized assignment contracts, identity theft, and the misuse of legal instruments such as SSA-89 forms. This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ), specifically under Sections 609, 611, and 605B, and requires prompt corrective action from XXXX. 
Details of Fraudulent Activity : XXXX. Fraudulent SSA-89 Forms : Corporations have submitted SSA-89 forms in my name without my knowledge or consent, solely for commercial financial gain. These forms are fraudulent, and all accounts tied to them must be immediately deleted. 
XXXX. Equitable Title Holder and Surety : I am the equitable title holder of my identity and have not authorized or signed any assignment contracts that designate me as a surety for debts or financial obligations. These accounts are fraudulent and must be corrected immediately. 
XXXX. Fraudulent Use of XXXXXXXX XXXX XXXX XXXXXXXX : Certain parties have unlawfully tied accounts to a XXXXXXXX XXXX XXXX XXXX specifically the XXXX XXXX XXXX XXXX XXXX XXXX  without my knowledge or authorization. This constitutes a violation of my personal and financial rights, and the associated accounts must be deleted. 
XXXX. Collateral and Property Description : The following property has been accepted for value, is exempt from XXXX, and has been registered in the XXXX XXXX  as XXXX XXXX It is owned by the XXXX XXXX : o Collateral Deleted/Assigned : All documents, papers, instruments, and contracts falsely associated with my name. 
o XXXX XXXX by the Secretary of State of New York is now public record and owned by the Secured Party. Any dishonor must be rectified via Settlement Agreement, including Certified Check or Certified Documents of Claim. 
XXXX. Extortion and Chattel Slavery : The fraudulent creation of these accounts is a form of extortion and chattel slavery, imposing obligations I did not consent to. This is a severe violation of my rights. 
XXXX. Aggravated Identity Theft & Numident Number Misuse : My Numident number has been used fraudulently, resulting in aggravated identity theft and the illegal creation of accounts. These accounts must be deleted immediately, and criminal prosecution of those responsible must be pursued. 

Unalienable Rights and Legal Protections : Under House Joint Resolution 192, no payment of debt can be lawfully demanded in anything other than lawful money, given that gold and silver have been removed from legal tender. Furthermore, my unalienable rights are protected under Natural Law and the Law of Nations, which are incorporated into the Bill of Rights of the New York State Constitution. These rights protect my liberty, property, and financial security. 
Definitions and Additional Legal Context : Trust Definition : XXXX XXXX XXXX TM, including any derivative or variation of the name, is a copyrighted entity with all rights reserved. 
XXXXXXXX XXXX XXXX XXXXXXXX : This registered bond provides for the settlement of commercial debt, and I assert that any improper financial claims must be rectified under this statute. 
Strawman : XXXX XXXX XXXX TM is the debtor or strawman in this context, representing a legal fiction used without my consent in financial transactions. 
Criminal Prosecution and Compensation : I have reported these fraudulent activities to the following authorities, who are now investigating the misuse of my XXXX XXXX File, identity theft, and unauthorized financial activities tied to my personal information : Department of Justice ( DOJ ) Equal Credit Opportunity Act ( EECOA ) Federal Bureau of Investigation ( FBI ) Federal Deposit Insurance Corporation ( FDIC ) Office of the Comptroller of the Currency ( OCC ) New York State Department of Financial Services ( NY DFS ) Securities and Exchange Commission ( SEC ) U.S. Secret Service I demand that XXXX cooperate fully with these investigations and delete all fraudulent information from my credit report immediately. 
Actions Required : XXXX. Immediate Deletion of All Fraudulent Accounts : Under FCRA Sections 609, 611, and 605B, you are legally required to delete all fraudulent accounts and block any inaccurate information related to identity theft. These accounts must be permanently removed from my credit report. 
XXXX. Verification of Accounts : I demand verification for the disputed accounts, including original documents or contracts with my wet-ink signature. If such documentation does not exist, the accounts must be deleted immediately. 
XXXX. Updated Credit Report : I request an updated credit report reflecting the removal of all fraudulent information within 30 days, as mandated by law. 
XXXX. Public Record Settlement : As previously mentioned, the XXXX  XXXX by the Secretary of State of New York is a public record, and the secured party must be compensated for any dishonor via a settlement agreement, including Certified Check or Certified Documents of Claim. 
Legal Consequences for Non-Compliance : If XXXX fails to delete these fraudulent accounts or provide verification within the legally required 30-day period, I will pursue further legal action. This includes filing formal complaints with the Federal Trade Commission ( FTC ), Consumer Financial Protection Bureau ( CFPB ), and other appropriate authorities. XXXX non-compliance will expose the company to both civil and criminal liability, including : 18 U.S.C. 1961-1968 : RICO ( Racketeer Influenced and Corrupt Organizations Act ). 
15 U.S.C. 1681n : Willful noncompliance with the FCRA, imposing liability for willfully failing to correct inaccuracies.

15 U.S.C. 1681o : Negligent noncompliance with the FCRA, which addresses failure to maintain accurate records or provide proper dispute resolution.

15 U.S.C. 1681q : Criminalizing the fraudulent acquisition of credit report information under false pretenses.

Failure to comply will further result in reporting to the FTC under the following reference numbers : XXXX, XXXX, and XXXX, as well as criminal complaints with law enforcement agencies like Police Department Case XXXX. 
Signed, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX PRIVATE ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT : 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