Consumer complaint received 2024-11-16 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: CA

Complaint narrative:
XXXX XXXX You shall lend money to many nations but will never need to borrow. Proverbs XXXX The rich rules over the poor, and the borrower is the slave of the lender. The wicked borrows but does not repay Psalms XXXX. Owe no man anything, but to love one another for he that loveth another hath fulfilled the law XXXX XXXX. Be not thou one of them that strike hands, or of them that are sureties for debts. 
XXXX XXXX XXXX XXXXXXXX declared under the penalty of perjury under the laws of the United States of America that the foregoing is true and correct : I am a XXXX XXXX  and not a corporation. I have reached the lawful age of majority and am hereby competent to state the following facts : I am not the principal ( the all XXXX  Name ) but rather I 'am the agent for the principal, I am the XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX I am the Lender and not the borrower. It is my religious belief that God has already laid foundation for my life. Recently, through my studies I have come to realization that I may have previously entered into a series of adhesion contracts that are unconscionable, entered into under duress, fraud, threat, coercion, incompetence of mind, at such a time I lacked the capacity to contract and to enter into binding contracts. I hereby rescind, revoke, remove, nullify, terminate and void any and all adhesion contracts. ALL adhesion contracts are hereby VOID INITIO! I have sent a revocation of power of attorney to XXXX, XXXX, Experian and XXXX via Certified Mail and all proper authorities have been alerted.. Please see the following Attachments Exhibit A-Revocation of Power of Attorney for Experian and Appointment of Power of Attorney. Experian according to your terms and conditions the following can be read : You understand and agree that, by establishing an account with XXXX, or submitting your order or enrolling for any Service, you have provided " written instructions '' in accordance with the Fair Credit Reporting Act, as amended ( " FCRA '' ), for XXXX, and its service providers, to obtain your credit report and/or credit score ( s ) ( or the credit report or credit score ( s ) of any minor children whom you have enrolled in a Service ) on a recurring basis to provide them to you while you have an account with XXXX, and such information may be obtained by Experian Information Solutions , Inc . I NO LONGER AGREE, I NO LONGER AGREE TO ANY OF THE STATED TERMS OF USE AGREEMENT AND I NO LONGER AGREE TO BE BOUND BY SUCH AGREEMENT. I RESCIND, REVOKE, REMOVE, TERMINATE AND VOID ANY PERMISSIBLE PURPOSE YOU THOUGHT YOU HAD! PLEASE SEE THE ENCLOSED WRITTEN INSTRUCTION PROVIDED. Exhibit B- Revocation of Power of Attorney for XXXX and Appointment of Power of Attorney. XXXX I NO LONGER AGREE TO BE BOUND BY ANY TERMS Of USE AGREEMENTS FURTHERMORE I RESCIND, REVOKE, REMOVE, TERMINATE, AND VOID ANY PERMISSIBLE PURPOSE YOU THOUGHT YOU HAD!, Exhibit C- Revocation of Power of Attorney for XXXX and Appointment of Power of Attorney. XXXX I NO LONGER AGREE to BE BOUND BY ANY TERMS OF USE AGREEMENTS FURTHERMORE I RESCIND, REVOKE, REMOVE, TERMINATE AND VOID ANY PERMISSIBLE PURPOSES YOU THOUGHT YOU HAD Exhibit D- Revocation of Power of Attorney for XXXX and Appointment of Power of Attorney. XXXX I NO LONGER AGREE TO BE BOUND BY ANY TERMS OF USE AGREEMENT AND I RESCIND, REVOKE, REMOVE, TERMINATE AND VOID ANY PERMISSIBLE PURPOSES YOU THOUGHT YOU HAD! ( SEE ATTACHMENTS ) XXXX, Experian, XXXX and XXXX are unlawfully reporting inaccurate information and my non-public personal information this has not only hindering my ability to extend my credit for personal, family, and household needs, but has also caused mental anguish, defamation of character, and my overall ability to operate in commerce. See Exhibit C- Notice of Common Law Copyright. A public notice was filed in the XXXX giving all corporations and foreign entities notice of common Law Copyright. You are hereby in Violations of my copyright. I believe the consumer reporting agencies have not been meeting their reasonable procedures in a manner that is fair or equitable. I have reason to believe that these entities do not have the lawful means to verify or to adequately use the social security number. According to the Social Security Administration the social security number belongs to SSA and not to me the living being. Therefore anything purchased with the social security identifier number is an obligation of the United states 18 usc 8. Which means that anyone attempting to collect a debt from me is guilty of the False Claims Act ( FCA ) 31, USC 3729. Title VI Consumer reporting Sec. 603. [ 15 U.S.C. 1681a ] ( f ) The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. Sec. 604. [ 15 U.S.C. 1681b ] ( a ) In general.Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individuals capacity to make child support payments or determining the appropriate level of such payments ; ( B ) the paternity of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; ( C ) the person has provided at least 10 days prior notice to the consumer whose report is requested, by certified or registered mail to the last known address of the consumer, that the report will be requested ; and ( D ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. 
( XXXX ) To an agency administering a State plan under section 654 of title 42 for use to set an initial or modified child support award. According to Social security administration the social security number can only be verified through social security administration by utilizing the SSA-89 form. This is a consent based social security number verification system that every company must have on file with the social security administration. Please send me the copy of the SSA-89 form in which I granted you permission to verify the social security number to the SSA with my wet ink signature and for that matter please send me a copy of the receipt that shows you paid the fee of {$5000.00} for such verification. The social security administration also stated any one whom is verifying social security numbers and the likes absent the SSA-89 form is committing FRAUD and Identity Theft. Pursuant to 15 USC 1681a ( 2 ) ( section 603 of the Fair Credit Reporting Act ) " A report containing information solely as to transactions or experiences between the consumer and the person making the report '' and " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device shall be excluded from the credit report. By you placing such items on the credit report this is FRAUD!! '' Per 15 USC 1602 ( i ) the definition of the term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. My social security card was the device/credit card used to obtain money, property, labor, or services on credit. A credit report is nothing more than a report of credits that were deducted from my social security account in which the use of my social security credit card has already satisfied the balance for. Additionally the report showing balances in excess of {$1.00} are credits that are owed to ME!! Please show proof that non of these corporations went to the XXXX XXXX XXXXXXXX and obtained funds in my name. Provide Proof that non of these corporations are in breach of there fiduciary duties. Provide Proof that the funds that you say I own these corporations do are not the interest dividends owed to me. See 15 USC 1666d. Lastly prove the fact that XXXX, XXXX, Experian, XXXX are not making money off of me in my name as well. Please provide me with the receipt for the sale of my information. Additionally the organizations/companies/financial institutions reporting these inaccuracies violated my privacy by disclosing my non-public personal information to non-affiliated third parties without giving me the full 'opt out " disclosures. This is a violation of the privacy act of 1974 and 5 usc 522a, 15 USC 6801 and 15 USC 6802. Furthermore, I filed a UCC-11 Search regarding any debts, liens owed to these said companies ( I have attached a certified copy ) and there are no debts or liens placed on the consumer. The only lien you will see is one place by my Trust. The following collections reporting to my credit report are FRAUDULENTLY AND UNLAWFULLY BEING REPORTED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A 1099C should be filed for any cancellation of debt Please see the enclosed 1099C 's. The IRS states that a canceled debt is Gross or ordinary income, INCOME SHALL NOT BE REPORTED TO THE CONSUMER REPORTING AGENCIES. You have Repeatedly allowed these companies to reage this debt monthly for the past 2 years and to update a Charge offs/Closed account every month is in violation of 15 usc 1692g , 15 usc 1681c-2m it is my charge offs accounts should Not include an active payment history, as this falsely manipulates the statute of limitations. The following companies have reported charge off to you directly these accounts have been charged off since XXXX : XXXX since XX/XX/XXXX for the past 19 months, XXXX XXXX since XX/XX/XXXX for a period of XXXX  months, XXXX XXXX XXXX XXXX since XX/XX/XXXX for a period of XXXX  months, XXXX since XXXX XXXX for a period of XXXX  months, XXXX XXXX XX/XX/XXXX for a period of XXXX  months, XXXX XXXX  since XX/XX/XXXX for a period of XXXX  months, XXXX XXXX since XX/XX/XXXX for a period of 10 months. I have done several disputes with you directly and indirectly in which you have repeatedly verified each account as accurate months.15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors Apersonshall not furnish any information relating to aconsumerto anyconsumer reporting agencyif thepersonknows or hasreasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors Apersonshall not furnish information relating to aconsumerto anyconsumer reporting agencyif ( i ) thepersonhas been notified by theconsumer, at the address specified by thepersonfor such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

( D ) Definition For purposes of subparagraph ( A ), the term reasonable cause to believe that the information is inaccurate means having specific knowledge, other than solely allegations by theconsumer, that would cause a reasonablepersonto have substantial doubts about the accuracy of the information.

Ive alerted you all several times that the addresses reporting to my credit report are incorrect! You are hereby instructed to remove all addresses associated with my credit report except for XXXX XXXX XXXX XXXX, California XXXX. This shall be the only address to display. Secondly update the names on the credit report only one name shall be displayed and that is XXXX XXXX Lastly it is my religious belief that Iam the original creditor of these financial transactions, without my signature or the issuing of the social security numbers ( credit card ) then none of these transactions would have been possible. The banks do not have the power to lend any money according to Congress 12 usc 1431. But they do have the authority to use said social security ( credit card ) at the New York window to obtain funds on my behalf. Fact, I am requesting, for documentary evidence which includes all documents, papers, correspondence, books of accounts and financial and corporate records regarding all alleged debt and True Bills pursuant to 15 usc 44. All of you corporations have teamed up to con-spire against me to collect debt that I do not owe according to Title 18 USC 894 .

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