Consumer complaint received 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX [ XXXX ] Last XXXX XXXX SS XXXX XXXX ( Representative ) XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Attention : XXXX XXXX XXXX XX/XX/XXXX XXXX : Acct # XXXX XXXX Account # XXXX ; Account # XXXX and Billing Error and Fraud - Failure to Comply with Legal Notice and Demand/REQUEST TRUE BILL Dear XXXX XXXX, I am writing to address several serious concerns regarding my accounts with XXXX XXXX XXXX XXXX XXXX. My accounts XXXX, XXXX, and XXXX POLICY GAR XXXX XXXX have been subjected to discriminatory practices and fraudulent activities, violating numerous federal laws and regulations. This letter serves as a formal notice of these violations and a demand for immediate corrective action. 
Discrimination Claims Under Title VI of the Civil Rights XXXX, the Age Discrimination Act, Title XXXX of the Education Amendments, Section XXXX of the XXXX XXXX, and the Fair Housing Act, no person in the United States shall be discriminated against based on race, XXXX, national origin, age, XXXX, XXXX, or familial status. XXXX XXXX XXXX XXXX  has failed to comply with these statutes by engaging in discriminatory practices, which has led to significant harm and prejudice against me. 
Fraud and Federal Law Violations XXXX XXXX XXXX BANK, along with its affiliates and partners, has intentionally violated multiple federal laws, including but not limited to : The Emergency Banking Act ( XXXX ) The Securities XXXX XXXX ( SEA ) of XXXX and XXXX The Foreign Corrupt Practices Act ( XXXX ) The Bank Secrecy Act ( BSA ) The Indenture Trustee Act ( XXXX ) The Consumer Financial Protection Act ( XXXX ) The XXXX XXXX XXXX Reform and Consumer Protection Act The Fair Debt Collection Practices Act ( FDCPA ) The Federal Trade Commission ( FTC ) Act The Equal Credit Opportunity Act ( ECOA ) The Fair Credit Reporting Act ( FCRA ) The Identity Theft Red Flags and Address Discrepancies Under the Fair and Accurate Credit Transactions Act of XXXX The Truth-in-Lending Act ( TILA ) The Federal Reserve Boards Regulations B and Z ( FRA ) The Gramm-Leach-Bliley Act ( GLBA ) The Fair Credit Extension Uniformity Act ( XXXX ) The Racketeering Influenced and Corrupt Organizations Act ( XXXX ) The Magnuson-Moss Warranty Act ( MMWA ) The Uniform Commercial Code ( UCC ) State adaptations of the Uniform Consumer Credit Code ( UCCC ) State motor vehicle retail installment sale and loan Acts State servicing laws State insurance laws The Social Security Number Privacy Act Unauthorized Use and Breach of Fiduciary XXXX XXXXXXXX XXXX XXXX XXXX  has been requiring Federal Reserve notes as payment XXXX XXXX XXXX XXXX financial information serving as an asset, satisfying the monthly obligation pursuant to 12 CFR 360.6 ( 2 ) and self-liquidating paper under 17 CFR 260.11b-6. This unauthorized use and failure to provide benefits constitute a breach of fiduciary duty under U.C.C. 3-307. 
I demand that all financial assets be returned to me within XXXX ( XXXX ) business days, or be accepted for their intended purpose within the same period. Failure to comply will result in an SEC complaint under 17 CFR 240.15c1-2 and 17 CFR 240.10b-5, as well as an IRS complaint for abusive tax scheme Redemption of Remittance Coupons You have been redeeming remittance coupons as non-cash items ( 12 CFR 210.2 ( k ) /12 CFR 229.2 ( u ) ( 4 ) ). Pursuant to 15 U.S Code 1691 ( C ), you assume civil liability under 15 U.S Code 1691 ( K ). XXXX XXXX XXXX XXXX XXXX Bank has violated my federally protected consumer rights. 
Demand for Correction I demand all credits be returned on all remittances/coupons from the inception of the accounts. Additionally, I require an open-end consumer credit card ( 15 U.S.C. 1602 ( m ) ) with {$25000.00} of monthly credits, as per applicable law ( 15 U.S.C. 1602 ( j ) ), with the balance zeroed monthly via a special deposit of the interest-bearing coupons associated with the itemization statement. 
This letter serves as your opportunity to cure and a notice of default for the servicing of accounts XXXX, XXXX, and XXXX. XXXX XXXX XXXX XXXX its agents, affiliates, subsidiaries, assignees, etc., XXXX only contact me via written correspondence. Failure to comply will result in further action. 
In accordance with federal law and XXXX Department XXXX XXXX Treasury policy, this institution is prohibited from discriminating based on race, XXXX, national origin, XXXX, age, or XXXX. Submit a complaint of discrimination by mail to the XXXX Department XXXX XXXX Treasury, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX, Washington, XXXX XXXX, ( XXXX ) XXXX ( phone ), ( XXXX ) XXXX ( fax ), or email XXXX Sincerely, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX Mahone/Beneficiary ( Secured Party ) /Victim c/o XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX [ XXXX ] Last XXXX of SS Number : XXXX XXXX XXXX XXXX XXXX ( Representative ) XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Acct XXXX Account # : XXXX XXXX Account # : XXXX ; Account # : XXXX - POLICY GAR XXXX XXXX - Billing Error and Fraud - Failure to Comply with Legal Notice and Demand and Demand for Legal Bill Dear XXXX XXXX, I am writing to bring to your attention a series of serious concerns regarding the handling of my accounts ( Account # XXXX : XXXX, XXXX, XXXX ). My concerns involve multiple federal violations and discrimination issues, including, but not limited to, XXXX VI, the Age Discrimination Act, Title XXXX, Section XXXX, and the Fair Housing Act. 
Discrimination Claims XXXX VI : No person in the United States shall, on the grounds of race, XXXX, or national origin, be excluded from participation, denied the benefits of, or subjected to discrimination under any program or activity receiving federal financial assistance. 
Age Discrimination Act : No person in the United States shall, on the basis of age, be excluded from participation, denied the benefits of, or subjected to discrimination under any program or activity receiving federal financial assistance. 
Title XXXX : No person in the United States shall, on the basis of XXXX, be excluded from participation, denied the benefits of, or subjected to discrimination under any education program or activity receiving federal financial assistance. 
Section XXXX : No qualified individual with a XXXX in the United States shall, solely by reason of her or his XXXX, be excluded from participation, denied the benefits of, or subjected to discrimination under any program or activity receiving federal financial assistance. 
XXXX XXXX XXXX : Prohibits discrimination because of race, XXXX, national origin, religion, XXXX, familial status, and XXXX. It is illegal to discriminate in the sale or rental of housing, including against individuals seeking a mortgage or housing assistance, or in other housing-related services or activities. 
Fraud and Federal Violations Additionally, I have reason to believe that XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Banks XXXX and its affiliates/partners have conspired to violate several federal laws, including but not limited to : Emergency Banking Act ( XXXX ) XXXX XXXX XXXX ( SEA ) of XXXX and XXXX Foreign Corrupt Practices Act ( FCPA ) Bank Secrecy Act ( BSA ) Indenture Trustee Act ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX Reform and Consumer Protection Act Fair Debt Collection Practices Act ( FDCPA ) Federal Trade Commission ( FTC ) XXXX Equal Credit Opportunity Act ( ECOA ) Fair Credit Reporting Act ( FCRA ) Truth-in-Lending Act ( TILA ) Federal Reserve Boards Regulations B and Z Gramm-Leach-Bliley Act ( GLBA ) Fair Credit Extension Uniformity Act ( XXXX ) XXXX XXXX and Corrupt Organizations Act ( XXXX ) Magnuson-Moss Warranty Act ( XXXX ) Uniform Commercial Code ( UCC ) State Motor Vehicle Retail Installment Sale and Loan Acts State Servicing Laws State Insurance Laws You have been requiring Federal Reserve notes as payment, despite the application with financial information ( social security number XXXX XXXX as an asset satisfying the monthly obligation pursuant to 12 CFR 360.6 ( 2 ) and 17 CFR 260.11b-6. This unauthorized use, without any benefit to me, constitutes a breach of fiduciary duty ( U.C.C. 3-307 ).

Demands and Notice of Default I demand that all credits be returned on all remittances/coupons from the inception of the accounts. Additionally, I demand an open-end consumer credit card ( 15 U.S.C. 1602 ( m ) ) with {$25000.00} of monthly credits, zeroed on a monthly basis via a special deposit of the interest-bearing coupons associated with the itemization statement.

This letter serves as your opportunity to cure and notice of default for the servicing of the aforementioned accounts. XXXX XXXX XXXX XXXX  and any of its agents, affiliates, subsidiaries, assignees, etc., may NOT contact me by any means other than written correspondence. Failure to comply may result in further legal action. 
Legal Violations In accordance with : 18 U.S. Code 1341-Frauds and swindles 18 U.S. Code 1342-Fictitious name or address 18 U.S. Code 1344-Bank fraud 18 U.S. Code 1345-Injunctions against fraud 18 U.S. Code 1346- Definition of " scheme or artifice to defraud '' 18 U.S. Code 1348-Securities and commodities fraud 18 U.S. Code 1349 : Attempt and conspiracy 18 U.S. Code 1350-Failure of corporate officers to certify financial reports 18 USC 1352 : Demands by foreign officials for bribes Pursuant to the Uniform Commercial Code 9-210, this is a record authenticating by the debtor requesting that the recipient approve or correct a statement indicating what the debtor believes to be the aggregate amount of unpaid obligations secured by collateral as of a specific date and reasonably identifying the transaction or relationship that is the subject of the request. 

Final Notice In accordance with federal law and XXXX Department XXXX XXXX Treasury policy, this institution is prohibited from discriminating based on race, XXXX, national origin, XXXX, age, or XXXX. Submit a complaint of discrimination by mail to the XXXX Department XXXX XXXX Treasury, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX, ( XXXX ) XXXX ( phone ), ( XXXX ) XXXX ( fax ), or email XXXX. 


CC : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX  SEC XXXX XXXX : XXXX BENEFICIARY WITHOUT PREJUDICE Pursuant to UCC 1-308 ALL RIGHTS RESERVED

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