Consumer complaint received 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
On or about XX/XX/XXXX, I issued to XXXX XXXX XXXX XXXX a Promissory Note for the purchase of a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Said Promissory Note constitutes lawful money and legal tender pursuant to " An Act to assure uniform value to the coins and currencies of the United States, '' XXXX XX/XX/XXXX ), 31 U.S.C. 5103, and under provisions of the Federal Reserve Act Title IV, Section 401 ( XX/XX/XXXX ), explicitly classifying " any notes, '' including promissory notes, Federal Reserve notes, Federal Reserve Bank notes, circulating notes of the Federal Reserve, and national bank notes as legal tender, redeemable at par.

Under federal law ( 12 U.S.C. 411, 412, 414 ), the Promissory Note I tendered was to be received and redeemed at par value. XXXX XXXX XXXX XXXX XXXX upon receipt, was legally bound to treat such a Note as lawful payment, fully extinguishing any related debt. 
The Federal Reserves  XXXX XXXX XXXX XXXX Federal Reserve XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX agreement substantiate that upon the XXXX XXXX XXXX XXXX procurement of my Promissory Note, this financial instrument was deposited with the Federal Reserve System. At that moment, the Note was monetized and fully discharged via issuance of Federal Reserve Notes. 
Pursuant to the XXXX XXXX and the XXXX XXXX guidelines, the Promissory Note was tendered, received, and monetizedfully discharging my obligation. Consequently, XXXX XXXX XXXX XXXX no longer holds any lawful claim against my property or rights therein. 
Despite full legal dischargeXXXX XXXX XXXX XXXX XXXX unlawfully demanded monthly payments, deriving substantial capital gains through fractional reserve banking operations predicated upon the original Promissory Note. This systematic fraud, knowingly perpetuated, violates 18 U.S.C. 1341 ( Mail Fraud ), 1343 ( Wire Fraud ), and 18 U.S.C. 1962 ( RICO ). 
XXXX XXXXXXXX XXXX XXXX XXXX has been unlawfully reporting false information to the credit bureaus since XX/XX/XXXX which has been severely damaging to my credit, ability to gain employment and overall detrimental to my life in general XXXX XXXX XXXX XXXX XXXX, with assistance from the XXXX XXXX through systematic practices, has knowingly engaged in patterns of racketeering activity, constituting a criminal enterprise. They intentionally misrepresent discharged financial instruments as unpaid obligations, causing widespread harm to their unaware and ill-informed customers just like myself. 
XXXX XXXX XXXX XXXX XXXX has derived significant income " from whatever source derived '' ( 26 U.S.C. 61 ) yet have engaged in tax evasion by failing to report and pay taxes on such substantial financial gains resulting directly from the monetization of my Promissory Note and countless other similar financial instruments from many, if not all of their unsuspecting and uninformed customers! 
XXXX XXXX XXXX XXXX  has also been unlawfully misreporting a Loan Type : Unknown as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX  since XX/XX/XXXX which has also had a huge, negative effect on my credit and livelihood. 
I demand that the XXXX XXXX XXXX XXXX  either change their reporting to the credit bureaus immediately to properly reflect the overall status of these accounts, placing them in good standing or remove them from reporting all together. Either way, this issue needs to be resolved to avoid any further escalation on my behalf.

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