Consumer complaint received 2024-10-05 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: NY

Complaint narrative:
I have the right to privacy as a federally protected consumer. I do not consent to E Oscar verification Use of this number when applying electronically for your Direct Stafford Loans in XX/XX/XXXX, gave the application the same legal integrity as documents bearing an inked or wet signature. All pertinent information regarding the making and collection of your loans is contained in the Terms and Conditions and the Borrowers Rights and Responsibilities contained in your promissory note. Your federal student loans are governed by the Higher Education Act of 1965, as amended, and any applicable federal laws and regulations governing the Direct Loan Program.

As you mentioned my electronic signature is the one that brought my direct Stafford loans to life, which means I'm the original creditor ( 15 USC 1602g ). My electronic signature and my social security number is the ones that gave life to this loan nothing else as you mentioned. 42 USC 408 asking for social security number on any credit transaction or loans ( since there is no lawful money ) is considered a crime. So if I'm the original creditor, every loan and credit extension comes from my social security number. On the social security card, it used to say not for identification purposes a long time ago. 15 USC 1602 credit card means any card, Plate, coupon book, or other credit devices existing to obtain money, property, labor, or service of credit. So you must use your social to obtain a student loan, to buy a car, to get any utility services, telecommunication services. So basically XXXX took my credit since I'm the original creditor and made it Nelnets credit. Basically switching me into a debtor and asking me to pay monthly payments plus interest on a loan that I was the original Creditor. So XXXX is Lying and committing Identity Fraud. Taking someones social and putting a lien against it then taking the lien which is evidence of interest in the property and sold it on the stock market.

12 USC 1431 clearly states that banks cant loan you money since they are the borrower, banks are considered dead entities hence corporation ( corps ). someone alive has to be the one who can credit. So Federal student aid/ XXXX XXXX XXXX XXXX not loan me ANYTHING. 
So XXXX is Using my identity and saying that I owe them money when in reality they owe me everything. XXXX is taking my credit and then charging me a finance charge to do the paperwork equal to the credit that was extended. Just show me the paperwork for this if you are not committing Identity Fraud.

Since we established that Im the original creditor, ( 15 USC 1602g ) Let the credit bureaus know that you have used my identity to accuse me as a debtor falsely, let them know that you have committed identity Fraud, and mark my student loans as paid as agreed and return all my money with interest back to my account plus an additional {$10000.00} for all the emotional pain and suffering that you have caused me for the past 12 years. 

Routing number : XXXX Account 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