Consumer complaint received 2024-08-07 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: MI

Complaint narrative:
In lieu of payment and performance, these respondents mentioned below are attempting to violate a consumer in every way possible, including TILA. Pursuant to multiple unlawful acts and denied means committed by XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this notice serves as INTENT TO SUE and notice to the OFFICE OF COMPTROLLER, OCC, FTC, SEC, IRS, FED WIRE , YOUR LOCAL FEDERAL RESERVE BANK, MY LOCAL XXXX, What plans these companies had to convey rights, interest, principal is unknown. What is known is they attempted to coerce, trick and steal. An " amended '' promissory note was needed before anyone will agree to the terms and conditions, clauses and provisions. That did not happen. Deception. As an issuer of credit and issuer of notes and securities, your performance to the obligations is necessary to pursue and harass. The drawer of the funds must be you. The ORIGINAL source of the funds can not be derived from SS account number requested by your entity portrayed as " IDENTITY VERIFICATION PURPOSES ONLY. '' THAT WAS A LIE. IT WAS USED TO LIE TO THE XXXX AND furthermore increase the national debt by failing to pay back what you took on behalf of the public transmitting utility. 

AS REQUESTED, THE BANK OF FIRST DEPOSIT IS INVALID AND WAS PURPOSELY CONCEALED. 

THE ROUTING NUMBER WAS ALTERED AND WHITE-OUT APPLIED TO CONCEAL THE TRUE SOURCE OF FUNDS. 

ATTACHED IS THE FEDWIRE PARTICIPANT INFORMATION SHOWING PROOF AS TO HOW XXXX obtained funds on my behalf and are actual borrowers. I do not care what was signed under attempted coercion as documented and displayed by XXXX XXXX and XXXX. The concealment of facts include misrepresenting a routing number as a serial number, primary account of the entity concealed due to fraudulent conveyance, amongst a slew of other discoveries. 

All aforementioned including REGISTERED and unregistered agents, drawees, trustees, directors, all board members of all persons is in violation of multiple laws set forth by Congress pertaining to account # ending 9947. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer and the person ( XXXX ) ( XXXX XXXX XXXX XXXX ) making the report. Furthermore 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( XXXX XXXX XXXX XXXX ) shall not furnish any information relating to a consumer to any consumer reporting agency ( EXPERIAN XXXX XXXX XXXX XXXX EXPERIAN INFORMATION SOLUTIONS, 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 if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX XXXX XXXX XXXX can not possibly even collect on an alleged discharged debt. According to the INTERNAL REVENUE SERVICES it is considered income. It is also a certificate of indebtedness. It has also been declared as a loss and XXXX XXXX XXXX XXXX has misrepresented that fact, intentionally and grossly. Therefore, it can not and shall be reported. A charge off is clearly defined as Gross or Ordinary income. We have requested and demanded proof from all aforementioned by way of affidavit certifying and reflecting the original true source of funds. The company has chosen to us the mailing system to send deceptive forms. While we appreciate the proof of the fact is the account is not balanced due to the failure of the fiduciary of this constructive trust, the answers needed to perform have yet to be answered as requested by affidavit under penalty and perjury. According to the law, INCOME IS TO NOT BE REPORTED AND IS IN FACT BEING REPORTED TO MULTIPLE CREDIT FILES. IT IS NOT TO BE REPORTED ON ANY CONSUMER REPORT. In fact, these willingly and knowingly actions by aforementioned parties makes this account inaccurate. Feel free to look at the law from a real government agency, bureau directly from the IRS website. IRS clearly and conspicuously reads Cancelled debt and or a Charge off is Income. Whose income, was it? Because of XXXX acquiesce to the questions needed in order to uncover this conspiracy, it is a fact that XXXX never loaned any XXXX member its assets, stocks, bonds, reserves. Instead XXXX XXXX XXXX XXXX deceptively conveyed personal assets and in book entry form, recorded said assets as their own. Then attempeted to loan back the assets. FOUL. It is a fact that XXXX XXXX agreement on file with their local FEDERAL RESERVE BANK clearly states they are the borrower and I have deposited the total subject amount that is being reported to file. The reporting of this account as a debt is grossly inaccurate. The estate never received a XXXX from XXXX XXXX XXXX XXXX nor any other aforementioned parties for the alleged cancelled debt of XXXX XXXX XXXX { {$27000.00} }. It is a fact it was ordinary income for their entities and subsidiaries. It is a fact that I am not only due the total amount but also due {$40000.00} for non-return of the original application. It is on their book entries as an asset and receivable. 

They have refused to release to the consumer despite being approved. This is and was unlawful Quid pro quo actions. I have not received a XXXX because there is no true debt nor contract that exist. Please feel free to skim the document from your entity clearly stating NO CONTRACT EXIST as of XX/XX/XXXX. This is an attempt to violate ALL TYPES OF rights established to regulate fair business practices and protect unaware customers, members and consumers. To force any natural person to contract is out right unlawful. Feel free to review the United States Constitution. This company who is not a part of any United States government is clearly writing off debt with the IRS without sending out XXXX as required by the IRS for debts greater than { {$600.00} }. Note : DONOT ATTEMPT TO SEND THIS ESTATE ANY XXXX AS IT will further constitute fraud and we donot participate in tax schemes or evasion. This is unsatisfactory! 



XXXX XXXX XXXX XXXX has been HEREBY PUT ON FINAL NOTICE that they are furnishing incorrect inaccurate information. The aforementioned XXXX parties such as all holding companies for XXXX, XXXX AND EXPERIAN have no excuse as they will be recieving a copy as well. The terms and conditions they agreed not to share my information with non affiliates without consent. XXXX XXXX, EXPERIAN INFORMATION SOLUTIONS, and XXXX are not an affiliate of any aforementioned parties nor are they " bureaus ''. The law states CFPB is the only official bureau and they in fact do not furnish credit files nor consumer reports. I have also provided a copy of the letter sent via US. Mail stating the alleged debt is valid by XXXX XXXX XXXX XXXX. I also have statement of account and the intermediaries and or agents refuse to balance the account. They have also continued to use US mail to send deceptive forms for the purpose of extorting a consumer. I have a right to privacy and Per the Privacy Act of XXXX as a federally protected consumer any and all authorization known and unknown is hereby revoked. This includes but not limited to written, non-written, verbal and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer the chose to opt out of any and all authorization is hereby demanded. I the consumer may have given you written, non-written, verbal, and non-verbal per 15 USC 6802. I shall also point out the parties responsibility pursuant to 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. XXXX XXXX XXXX XXXX must also refund the remaining balance of the consumer account upon its termination. According to the ledger XXXX XXXX XXXX XXXX TOOK THE PRINCIPLE AND deleted the interest due to claimant. This is the only 7 day notice to return ALL money due from this consumer account. XXXX Treatment of credit balances ; account termination. ( a ) Credit balances. When a credit balance in excess of { { {$1.00} } } is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall : ( XXXX ) Credit the amount of the credit balance to the consumer 's account ; ( XXXX ) Refund any part of the remaining credit balance within XXXX business days from receipt of a written request from the consumer ; ( XXXX ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than XXXX months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number. ( b ) Account termination. ( XXXX ) A creditor shall not terminate an account prior to its expiration date solely because the consumer does not incur a finance charge. ( XXXX ) Nothing in paragraph ( b ) ( XXXX ) of this section prohibits a creditor from terminating an account that is inactive for XXXX or more consecutive months. An account is inactive for purposes of this paragraph if no credit has been extended ( such as by purchase, cash advance or balance transfer ) and if the account has no outstanding balance. ( c ) Timely settlement of estate debts ( XXXX ) General rule. ( i ) Reasonable policies and procedures required. For credit card accounts under an open-end ( not home-secured ) consumer credit plan, card issuers must adopt reasonable written policies and procedures designed to ensure that an administrator of an estate of a deceased accountholder can determine the amount of and pay any balance on the account in a timely manner. ( ii ) Application to joint accounts. Paragraph ( c ) of this section does not apply to the account of a deceased consumer if a joint accountholder remains on the account. ( 2 ) Timely statement of balance ( i ) Requirement. Upon request by the administrator of an estate, a card issuer must provide the administrator with the amount of the balance on a deceased consumer 's account in a timely manner. ( ii ) Safe harbor. For purposes of paragraph ( c ) ( XXXX ) ( i ) of this section, providing the amount of the balance on the account within 30 days of receiving the request is deemed to be timely. ( XXXX ) Limitations after receipt of request from administrator ( i ) Limitation on fees and increases in annual percentage rates. After receiving a request from the administrator of an estate, it was necessary to provide all requested documentation. The recorded phone call is proof of the request for information and validity. The deceptive forms sent via mail is proof of breach of fiduciary duties. The breach of contract and account stated claim can and will be proven. The equity and security interest due to claimant will be proven. The un perfected security interest will be proven as no POWER OF ATTORNEY OR DELEGATION OF AUTHORITY WAS GRANTED to lien or bond any private property, assets or notes. The misrepresentation and failure to disclose the true nature of this alleged transaction will be proven. It will also be proven this company discriminates against certain races and classes by denials of their own extensions of credit. It will also be proven that my assets are listed on the book keeping entries of XXXX and or all aforementioned parties as assets, not liabilities. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX, its agents, representatives, board members, brokers are attempting to act as fiduciaries and beneficiaries of a constructive or implied trust, stripping the entitled secured party from unalienable rights. The defamation of my persons reputation has been affected causing financial harm, medical injury by stress, and irreparable damages. 







The following invoice is attached for the time it took to have to put this company on notice as it refuses to comply or follow federal laws. May I also reiterate that this company blatantly states on the attached file, THERE is no consumer loan on file to reference to. How can a loan exist if no valid nor contract exist. Under no circumstances were shares, dividends, interest, principal, stock, bonds or certificates gifted nor given to any of the aforementioned parties. Under no circumstances should an account state past due, charge off or late when there is no agreement nor have XXXX performed under their own note as issuer of funds received initially from the XXXX on behalf of the ESTATE of XXXX XXXX. When XXXX DEPOSITS XXXX of its own assets, stock, bonds, shares to a KNOWN checking account with the account owner named as XXXX XXXX, a debt may have been due. The instrument also used to bond my estate consumer to a lien is fraud as no POA was signed, no contract exist, no security interest was given or gifted, no collateral was used. they can keep the shares and dividends til a claim is filed. Using the account owners name and likeliness for unjust enrichment without authorization is unlawful. XXXX needs to investigate also as the account insured for your tactics and failures as a secondary intermediary, fiduciary and or agent have caused damages DELETE THE ACCOUNT OR UPDATE TO PAID IN FULL. I may only be contacted via UNITED STATES POSTAL SERVICE by mail between the hours of XXXX and XXXX. Any other time is inconvenient. feel free to commit MAIL FRAUD by sending deceptive forms made to believe performance from the estate and or consumer is needed. A payment is definitely needed as the principal and interest due to consumers estate is needed seeing as though you have tried to fraudulently act as trustee and beneficiaries.

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