Consumer complaint received 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I tendered a Negotiable Instrument, with instructions to discharge the balance on account number XXXX XXXX, on the XXXX of XXXX. XXXX. The instructions referenced in UCC 3-103 and 3-104 spell out the Requirements for Negotiability. ( 1 ) It must be in writing, ( 2 ) It must be signed by the maker or drawer, ( 3 ) It must be an unconditional promise or order to pay, ( 4 ) It must be for a fixed amount of money, ( 5 ) It must be payable on demand or at a definite time, and ( 6 ) It must be payable to order or bearer, unless it is a check. All Requirements were met. The attached Negotiable Instrument is presented under the authority of House Joint Resolution 192, Public Law 73-10. Precedence ha been set with Spencer vs. Sterling Bank, 63 Cal Ap. 4th 1055 ( 1998 ) and Guaranty Trust Co. of NY vs. Henwood et al, 307 U.S. 247 ( FN3 ) The entire taxing and monetary systems are hereby placed under the U.C.C. by The Federal Tax Lien Act of 1966. The attached Tender and Negotiable Instrument were sent to XXXX XXXX XXXX on XX/XX/XXXX. It was picked up on XX/XX/XXXX as recorded by XXXX XXXX. On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX, confirming that the account will be considered as paid in full, as of XX/XX/XXXX. A copy of account history shows the account being credited with the Negotiable Instrument, and showing a balance of {$0.00}. On XX/XX/XXXX. The payment was credited on XX/XX/XXXX. I received an email, titled You Are all Finished. On XX/XX/XXXX, I received the clear Title for the vehicle, from the Texas Department XXXX XXXX XXXX. On XX/XX/XXXX, I received a NOTICE OF ACCELERATION, AS IF THE Negotiable Instrument just disappeared, all of a sudden, with no explanation. On XX/XX/XXXX, I mailed an Affidavit of Mailing, which included all previous correspondence, a Notice of Default, and an Opportunity to Cure. Silence is Acquiescence, Agreement, and Dishonor. No Response! On XX/XX/XXXX, a NOTICE OF DEFAULT IN DISHONOR was mailed and received, with mention of additional registered mail which was picked up. Still no Response. On XX/XX/XXXX. I mailed XXXX XXXX XXXX a Notice of Dispute ; DEMAND FOR VALIDATION AND PROOF OF CLAIM. There were no challenges. Fraud was committed because XXXX XXXX XXXX reportedly had XXXX days to properly validate the alleged debt. They picked this PROOF OF CLAIM up on XX/XX/XXXX, and had until XX/XX/XXXX to validate the debt. Reporting to Experian, XXXX, and XXXX was a violation of the Fair Credit Reporting Act ; a Violation of the Fair Debt Collection Practices Act ; Defamation of Character ; and a violation of United States Code Title 18 Part 1 Chapter 63 1341 ( Mail Fraud ). The debt was considered to be invalid due to No Proof of Claim within the thirty-day period from XX/XX/XXXX to XX/XX/XXXX. I was impeded by the adverse action of XXXX XXXX XXXX. Punitive damages must be assessed to deter XXXX XXXX XXXX from engaging in this outrageous behavior going forward.

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