Consumer complaint received 2024-10-28 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: DE

Complaint narrative:
Notice to all, I am that I am the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives there of for the surname /given name ( name ), and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hear by claim that I will d/b/a ( name ) and autograph as the agent, attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I dispose the following facts, So be it, now present : Fact, the fair debt collection practices act is intended to secure my right to privacy and my privacy has been breached so be it, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights won't be violated again due to my lack of consent and this herein unrebutted affidavit of truth being served to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so be it, and ; Fact, affiant is aware and has proof in the attachment labeled as exhibit A that ( creditor ) is in violation of 15 usc 1681a ( 2 ) ( B ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit B the ( creditor ) is in violation of 15 U.S. Code 1681b ( a ) ( 2 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit C that ( creditor ) is in violation of 15 U.S. Code 1681 ( A ) ( 2 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit D that ( creditor ) is in violation of 15 usc 1692j ( a ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit E that ( creditor ) is in violation of 15 usc 1681e ( b ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit F that ( creditor ) is in violation of 15 usc 6801 ( a ) ( 1 ) Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I so affirm to be true, correct, accurate to the best of my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do require subrogation of the bond to settle the charge. 
On the date of ( date ) ( name ), agent, d/b/a/ ( name ) came before me today present as a flesh and blood living being ( non entity/ non debtor ) under oath to the most high of creation only and provided the facts listed herein. 
Your Name Printed : ( name ) Your Signature : Sworn to or affirmed by and subscribed before me on ( date ) Notary Name : Notary Signature : Client Name : Address : City/State/Zip Creditor : Address : City/State/Zip Date : CEASE AND DESIST - Pursuant to 15 USC 1692c. ( c ) I am notifying you in writing that I refuse to pay this alleged debt, I am demanding that you cease all forms of communication with me through any and all mediums.

Pursuant to 15 USC 1692c. ( c ) ( 2 ) - I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : - Zero out the balance on this account.

- Pay the attached invoice and compensate me for every violation labeled in the attached exhibits.

- Deletion from all consumer reports.

- Grant me my title lien free ( For Repossessions ) ( auto loans ) Best regards, ( Name ) I am requesting all of the following from your agency : 1. Name and address of alleged creditor : 2. Name on file of the alleged debtor : 3. Alleged account # 4. Address on file for alleged debtor : 5. Amount of alleged debt : 6. Date ( this alleged debt became payable ) : 7. Date of original charge or delinquency : 8. Was this debt assigned to a debt collector or purchased?

9. Amount paid if debt was purchased : 10. Commission for debt if collection efforts are successful : Please attach copies of the following : - Agreement with your client that grants ( creditor ) the authority to collect this alleged debt - Signed agreement debtor has made with debt collector, or other verified proof Debtor has a contractual obligation to pay Debt Collector - Any agreement that bears the signature of debtor, wherein agreed to pay Creditor.

- All statements while this account was open - Have any insurance claims been made by any creditor regarding the account?

Yes or No Have any judgments been obtained by any creditor regarding this account?

Yes or No? 
Please provide the name and address of the bonding agent for ( creditor ), in case legal action becomes necessary : Authorized Signature of Creditor : Date : Client Name : Address : City/State/Zip Creditor Name : Address : City/State/Zip : Date : Exhibit A Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( 1 ) which is the term credit card means by any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate the consumer credit transaction below.

Account : Account Number : Thank you, ( Name ) Client Name : Address : City/State/Zip Creditor Name : Address : City/State/Zip : Date : Exhibit B Under 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates.

Pursuant to 15 USC 1692a ( 3 ) The term consumer means any natural person obligated or allegedly obligated to pay any debt. Wouldnt I be considered allegedly obligated to pay the debt listed below? Technically debt is a twofold word, it is any obligation or an alleged obligation and you cant choose both. ( Creditor ) is basically making it an obligation for me to pay on a debt without my direct consent. I ( name ) the consumer never gave ( creditor ) any written consent to report anything on my consumer report. No consent is Identity Theft. 
Account : XXXX XXXX  XXXX XXXX XX/XX/XXXX - - Inquiry In Dispute XXXX XXXX - - XXXX  XX/XX/XXXX Inquiry In Dispute XXXX XXXX XXXX - - XXXX  XX/XX/XXXX Inquiry In Dispute XXXX XXXX XXXX XXXX XXXX X XX/XX/XXXX Inquiry In Dispute XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX Inquiry In Dispute XXXX  XXXXXXXX XXXX XXXXXXXX XXXX XXXX  XXXX  XX/XX/XXXX Inquiry In Dispute XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Inquiry In Dispute XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Inquiry In Dispute XXXX XXXX XXXX XX/XX/XXXX - Inquiry In Dispute XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Inquiry In Dispute XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - - Inquiry In Dispute XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Inquiry In Dispute XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiry In Dispute XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Inquiry In Dispute XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Inquiry In Dispute Derogatory Items Derogatory Items : 5 Account Name Account Details XXXX XXXX EXPERIAN Issue XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX  Negative Was 30 days late 1 time ( s ). Was 30 days late 1 time ( s ). Was 30 days late 1 time ( s ).

In Dispute XXXX View Details - - X Negative Was 30 days late 1 time ( s ). Was 60 days late 1 time ( s ). Was 90 days late 1 time ( s ). Was 120 days late 3 time ( s ).

In Dispute XXXX XXXX XXXX XXXX View Details - - X Negative Was CO days late 14 time ( s ). 
In Dispute XXXX  XXXX XXXX XXXX XXXX Negative - X Negative Was 30 days late 1 time ( s ). Was 60 days late 1 time ( s ). Was 90 days late 1 time ( s ). Was 120 days late 2 time ( s ). Was 30 days late 1 time ( s ). Was 60 days late 1 time ( s ). Was 90 days late 1 time ( s ). Was 120 days late 2 time ( s ). Was CO days late 14 time ( s ). 
In Dispute XXXX XXXX XXXX ( Original Creditor : XXXX  XXXXXXXX XXXX ) View Details X Negative - X Negative Was CO days late 6 time ( s ). Was CO days late 4 time ( s ).

In Dispute PUBLIC RECORDS Number Of Public Record : 0 Account Name XXXX XXXX EXPERIAN Issue Action Account Number : Thank you, ( Name ) Client Name : Address : City/State/Zip Creditor Name : Address : City/State/Zip : Date : Exhibit D Pursuant to 15 usc 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. Who is the original creditor? I am, How? When I am given credit I am really receiving something that already belongs to me. Let me explain : my social security card is owned by the XXXX, so legally all my debts the U.S. debts. Now, let me get back to explaining how I am the original creditor. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( 1 ) which is the term credit card means by any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit Notice, congress said ANY card. The credit card is my social security card. 
This is the credit card I used to originate the consumer credit transaction below. Also, banks can not loan money, it is illegal for banks to loan money. This is why the FDCPA 15 USC 1692 never uses the term borrower. You see how I am the original creditor now? ( Creditor ) is showing on my consumer report as the original consumer and this is furnished deceptively.

How can you label yourself as the original creditor on my consumer report when I am the one creating the debt and I am being loaned my own money from my social security c
ard? This is very deceptive to me, I wonder how deceptive it would look ti the BBB, CFPB, and the Attorney General.

Account : Account Number : Thank you, ( Name ) Client Name : Address : City/State/Zip Creditor Name : Address : City/State/Zip : Date : Exhibit E Pursuant to 15 usc 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.. Upon viewing my credit reports Ive noticed the reported account ( creditor ) ( account number ) had a discrepancy in the date last active section. If this is the same account, reported by the same creditor, how are these numbers different? 15 usc 1681e ( b ) states whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Why do the accounts listed below contain inaccuracies? Isnt this a violation of my rights as a consumer? 
( Account ) ( Account Number ) Thank you, ( Name ) Client Name : Address : City/State/Zip Creditor Name : Address : City/State/Zip : Date : CFPB COMPLAINT ( Part 1 ) MY PURPOSE OF THIS COMPLAINT IS NOT TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STAT

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