Consumer complaint received 2024-08-30 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: FL

Complaint narrative:
I want to bring an action against XXXXXXXX XXXX XXXXXXXX under the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5564 ( a ), and the Home Mortgage Disclosure Act ( HMDA ), 12 U.S.C. 2804 ( b ) ( 1 ) ( B ), ( d ), and its implementing regulation, Regulation C, 12 C.F.R. 1003, and alleges as follows : Please provide the following : 1. Original, non-photocopied agreement granting the authority to collect on the alleged debt, signed by all parties and agents/representatives.

2. Certified copy of the executed Mortgage Loan Purchase Agreement.

3. Certified copy of the executed Custodial Agreement ( the Mortgage Loan Documents ).

4. Certified copy of the Mortgage File, including the mortgagee policy of title insurance and any Mortgage Loan Documents delivered to the Trustee or Custodian, along with documents returned from the recording office. 
5. Copy of the Acceptance of XXXX I by Trustee Conveyance of XXXX I, The Class XXXX Interest, and the Regular Certificates beneficial ownership interest in XXXX XXXX XXXX 
6. Proof of compliance with Section 860 of the Internal Revenue Code.

7. Declaration that the original Promissory Note has not been converted into a stock as a permanent fixture, is not a stock, and is exempt under the rules and regulations of the SEC.

8. Proof that the note was not converted into a stock or stock equivalent.

9. Declaration that the original deed of trust was transferred concurrently with the legal transfer of the note.

10. Any insurance claims made by any creditor regarding this account.

11. Any judgments obtained by any creditor regarding this account.

12. Name and address of alleged creditor. 
XXXX XXXX XXXX, XXXX as I am The True Creditor Not Debtor XXXX. Name on file of alleged debtor. 
14. Alleged account number.

15. Address on file for alleged debtor.

16. Amount of alleged debt.

17. Date this alleged debt became payable.

18. Date of original charge off or delinquency.

19. Verification that this debt was assigned or sold to XXXX XXXX  XXXX. 
20. Produce a Complete accounting of alleged debt. Public and Private side of the Ledger.

21. Transparency regarding the process of the consumer credit application being the financial asset ( 12 CFR 360.6 ( 2 ) ) ; As well as self-liquidating paper ( 17 CFR 260.1 1b ( 6 ) ).

22. Provide Documented Evidence from Your Sec Filings That The Financial Asset Isnt being Sold On the Secondary Market.

23. Provide Documented Evidence that this obligation didnt become an obligation of your Indentured Trustee.

24. Please provide evidence to the contrary that Negotiable Instruments are not used as a cash substitute.

25. Please provide evidence to the contrary pursuant to TITLE 31 of the United States Code MONEY AND FINANCE, that Negotiable Instruments are not a circulating note of the Federal Reserve Banks and XXXX XXXX  XXXX. 
XXXX6. Please provide proof and the legal authority that gives you the right or standing to claim that a remittance coupon can not be used as payment/ credit towards the account if endorsed properly.

27. I require you to file the 1099A & 1099C. For Remedy of this matter.

28. Show cause why you should not be charged with Treason and Conspiracy to Commit Treason for overthrowing the Constitution for the United States of America Article III Judiciary. 29.18 USC 242 and 42 USC 1983 provide that : Whoever, under color of any law, statute, ordinance, regulation, or custom, willfully subjects any person in any State, Territory, or District to the deprivation of any rights, privileges, or immunities secured or protected by the Constitution or Laws of the United States, shall be fined under this title or imprisoned not more than one year, or both, 42 USC 1983 further provides that a violator shall be liable to the party injured in an action at law, suit in equity, or other proper proceeding for redress. Please Provide Your Exemption Status to the Constitution that allows you to act under color of law, and deprive I the Beneficiary of the XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX of my rights, privileges, or immunities secured or protected by the Constitution or Laws of the United States .

29. Please Provide Documented Evidence That You Have Destroyed the previously Presented Tender I XXXX XXXX XXXX, XXXX Presented for Set-off. 
30. Please Provide the Accounting That Shows That You issued a Loan from Your Banks Capital. From both Sides of the XXXX. 
31. XXXX XXXX  XXXX and its corporate officers and agents, et al are the Trustee/Fiduciary in this Trust action and Fiduciary Relationship. Please Provide Documented Evidence That You are Not Trustees with a fiduciary duty to do Whats Beneficial Towards the Trust only.

32. Show evidence proof that XXXX XXXX XXXX  did not sell my note in order to securitize it, in violation of 15 USC 78c Section 10.

33. Show evidence proof that XXXX XXXX XXXX did not use XXXX : XXXX 's signature to access XXXX XXXX XXXX CESTI QUE TRUST account, for the funds acquired to be loaned to XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX did not become the intermediary and fiduciaries for the Principal and Beneficiary Carlos-Manuel XXXX XXXX XXXX XXXX and XXXX account XXXX XXXX XXXX XXXX XXXX Show evidence proof that XXXX XXXX XXXX did not fail as Trustees for XXXX XXXX XXXX QUE TRUST as indicated via XXXX : XXXX 's Social Security number which was obtained by your company. 
35. Show evidence proof that XXXX XXXX XXXX can prove there is lawful money for Americans to repay a debt. 
36. XXXX XXXX  XXXX shows proof of XXXX XXXX XXXX giving XXXX XXXX XXXX permission to be Beneficiary over XXXX : XXXX, XXXX CESTI QUE TRUST Account. 

37. XXXX XXXX  XXXX has fully followed the law of Regulation Z as enforced by the FTC. 

38. Show evidence proof that FREEDOM MORTGAGE CORPORATION will NOT be damaged by non ( re ) payment of the alleged loan to XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX. 

39. Show evidence proof that XXXX XXXX XXXX has not taken out insurance in the event of non ( re ) payment of alleged loan where XXXX XXXX XXXX  would be 100 % compensated in case of a non ( re ) payment of alleged loan. 

40. Show evidence proof that XXXX XXXX XXXX can prove that repossession is constitutional.

41. Show evidence proof that XXXX XXXX XXXX  can prove that lending bank money is lawful.

42. Show evidence proof that XXXX XXXX XXXX proves that lending investors money is lawful.

43. The following requests are made : 44. Provide evidence that XXXX XXXX XXXX can prove that XXXX XXXX XXXX 's signature did not create the funds. 

45. Provide evidence that XXXX XXXX XXXX and the Dealer acted in good faith and disclosed full details to XXXX XXXX XXXX at the time of signing the note. As an Assignee of the Note, they are subject to act in good faith and disclose all material information in this fiduciary relationship. 

46. I demand to see the original securities signed by me with the trust business entities 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 XXXX '' wherein the language is written that I was relinquishing my lawful status as a human and/or as the human beneficiary of the XXXX XXXX XXXX XXXX and thereby becoming the XXXX XXXX XXXX XXXX. 
46. Additionally, I need to see if the original securities have, indeed, been filed with the DTC as securities to support whether or not your business net worth has increased through your use of my credit and the Trusts-credit ; 47. The documentation you present is confusing in as much as you relate the alleged defendant to be the Trust XXXX XXXX XXXX, and not the beneficiary of said trust ; therefore, I need written clarification as to precisely who or what was intended as the contractors, and if different than what is written why have you not addressed this/these points as Fiduciary Agents With a duty to act in Good faith with the best interests of the beneficiary.

48. For example : Your documentation designates the contracted as XXXX XXXX XXXX and that name is connected to the SSN/TIN issued by the Social Security Administration as a Trust wherein XXXX XXXX XXXXXXXX XXXX XXXX is the Man that is the beneficiary ; hence, you know very well that I can not be the Trustee of said Trust with authority to agree to anything in relation of the Trust.

49. Additionally, I can not understand what is intended as what the alleged real parties in interest are, therefore, evidence of who or what is intended as the real parties in interest.

50. Show evidence proof that to support that you were not creating an action against the Trust which you could not possibly have committed the action so charged because it is a fiction of law ; Evidence that you, the Accused, did not fraudulently collect from both me and the XXXX XXXX XXXX XXXX. 
and that you are not attempting to collect from me and the XXXX XXXX XXXX XXXX. 
51. Show evidence proof that you, or your officers, agents, brokers and/or intermediaries have not collected a considerable amount of monies from the XXXX  XXXX  through merchant Trustees XXXX XXXX XXXX having fraudulently created three ( 3 ) plus bonds on the case ; 52. Explain why neither I nor the Trust XXXX XXXX XXXX was paid the royalties from these bonds created by Trustees XXXX XXXX  XXXX. As a Fiduciary in this Relationship that is a Breach of Fiduciary Duties Justifying that You are Compensating Yourselves which is a conflict of Interest. 
53. Show evidence proof that Official verification as to precisely what is to be used as payment ; 54. As the Trustees, which you volunteered to be the Trustees/Fiduciary, send me a full accounting of all activity in the XXXX XXXX XXXX XXXX from its inception public and private so that I may have this for my records.

55. Please provide evidence that as a Financial Institution registered in XXXX XXXX and/or specifically in the XXXX XXXX XXXX you are not bound by the XXXX  statutes and the Uniform Commercial Code. 
56. Please provide evidence that the Uniform Commercial Code ( UCC ) is not a comprehensive set of laws governing all commercial contracts in the United States.

57. Please provide evidence of your institution 's exemption status to Article 3 of the Uniform Commercial Code that covers commercial paper such as drafts, promissory notes, and Checks, are not acceptable as a means to satisfy and or discharge financial obligations.

58. Please provide evidence to the contrary that Negotiable Instruments are not used for purposes of payments of goods. 
59. Please provide evidence to the contrary that Negotiable Instruments are not used as a cash substitute.

60. Please provide evidence to the contrary pursuant to TITLE 31 of the United Code MONEY AND FINANCE, that Negotiable Instruments are not a circulating note of the Federal Reserve Banks and XXXX XXXX XXXX. 
61. Please provide proof that a remittance coupon can not be used as payment/ credit towards the account if endorsed properly.

62. I require you to file the 1099A & 1099C. AFTER REMEDY OF THIS MATTER.

63. Show cause why you should not be charged with Treason and Conspiracy to Commit Treason for overthrowing the Constitution for the United States of America Article III Judiciary 64. Provide the Lien UCC1 filed with the States Attorney Validating Your Claim. Not a Copy of The Title Showing FREEDOM MORTGAGE CORPORATION. But a Valid UCC1 filed With the States Attorney General and or Florida Secretary of State under Seal.

Please provide the name and address of the bonding agent for XXXX XXXX  XXXX in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back. Best Regards XXXX XXXX XXXX, XXXX. 
Every taxpayer is a cestui que trust having a sufficient interest in preventing abuse of the trust to be recognized in the field of this courts prerogative jurisdiction as a relator in the proceeding to set a sovereign authority in motion by action In re XXXX XXXX XXXX. XXXX XXXX ( XXXX ) supreme Court Wisconsin XXXX XXXX  XXXX, XXXX, AND XXXX HAVE 30 DAYS TO RESPOND AND REBUT ITEM BY ITEM VIA SWORN TESTIMONY UNDER PENALTY OF PERJURY IN AFFIDAVIT FORM. FAILURE TO RESPOND AFTER RECEIPT OF THIS AFFIDAVIT IS AGREEING TO THIS AFFIDAVIT BY MAXIMS OF LAW. IN FAILURE TO RESPOND WILL CONSTITUTE AQUIESCENCE, THEREFORE, I WILL CONSIDER THIS ACCOUNT BROUGHT TO XXXX, AND THE ACCOUNT IN SATISFACTORY STATUS. 
I hereby serve you with the foregoing facts and charges. If the you does not respond to the facts and charges herein enumerated and articulated with the facts and law supporting in denial and or objection within ( 30 ) days, all facts and charges are thereby acquiesced to by you.

Failure to object timely means you waive the objection. You, The Trustees and your principals, therefore, hold responsibility for these actions you executed for the Trust corporations along with the Trusts involved. This Conditional Acceptance gives witness to your crimes and actions. A Public official is a fiduciary toward the public, including in the case of a judge, the litigants who appear before him and if he deliberately conceals material information from them he is guilty of fraud, U.S. v Holzer 816 F. 2d 304, 307 ( 1987 ). Public officials are also trustee [ s ] and servant [ s ] of the people, Georgia Department v. Sistrunk 291 S.E. 2d 524, 526 ( 1982 ). Public office is a public trust or agency for the benefit of the people to be administered under legislative control in the interest of the people. State ex rel Nagle v. Sullivan 40 P. 2d 995, 997, Supreme Court of Montana ( 1935 ).

Since logic and common-sense dictate that you would not have committed these acts without already having this information XXXX readily available, I hereby hold XXXX XXXX XXXXXXXX in violation of Constitutional Law, the Common Law and the abrogation of the Common Law known as statutes, see Title 18 United States Code [ hereinafter 18 USC ] USC 1341 and 18 USC Chapter47 ; Criminal fraud ; Conspiracy to commit fraud ; Commercial misconduct ; Malicious Practices ; Malfeasance of office ; Conspiracy against my Rights ; see Title 18 USC 241 ; Deprivation of Rights under color of Law, 242 ; Falsifying legal documents, 1001 ; Double Dipping, and other crimes specified and supported herein as well as mail fraud. Fraud vitiates all contracts.

Certificate of Service and Interested Parties However, your claim is conditionally accepted by XXXX XXXX XXXX, XXXX as the man and the beneficiary, if it was/is intended to relate to me, with the following conditions : If, on the other hand, you, the Trustees, and your principals, can not satisfy these conditions in the time allotted, allowing for a reasonable extension if requested must be in writing stating the specific time needed, and the reason why. Amongst other facts addressed in this Conditional Acceptance of your Offer to me XXXX XXXX XXXX, XXXX, the Trustees and your principals, willfully, knowingly, and maliciously were seeking to commit fraud against me XXXX XXXX XXXX XXXX and deprive XXXX Carlos-Manuel : XXXX XXXX XXXX XXXX and XXXX both against Carlos-Manuel : XXXX and XXXX Social Security XXXX Que XXXX XXXX XXXX XXXX, you hereby contract XXXX XXXX XXXX : XXXX. For any injuries to me XXXX XXXX XXXX, XXXX the Trustees and their principals are indebted to me XXXX : XXXX XXXX XXXX for XXXX XXXX XXXX and no cents ( {$200000.00} ) Dollars jointly or severally in the money of account of the United States of America XXXX XXXX XXXX XXXX Section XXXX [ XXXX ], wherein it states, XXXX. No State shallmake anything but gold and silver XXXX a XXXX in XXXX of Debts. If you have no gold and silver Coin then I will receive without XXXX XXXX XXXX Notes, a Bank-draft XXXX or the like in lieu of the gold and silver Coin for the sum total. 
XXXX. Furthermore, witnessed through this Conditional XXXX you willfully and knowingly injured me, so I have the authority to create a Claim of XXXX against you each and file a financing statement against you each supporting my XXXX as I deem necessary to protect me, my property and my rights if needed at any time. Additionally, to facilitate my rights under this Conditional Acceptance and Security Agreement you agree that I have your XXXX XXXX XXXX to file anything to bring about the payment of this debt and protect me, my property, and my rights and that you have no right of action or recourse in any action at law, action in equity or Admiralty or any other law herein written or implied against me or my filings. Additionally, you agree that you XXXX your XXXX XXXX XXXX to me XXXX : XXXX XXXX XXXX so XXXX I am able to collect the damages through a XXXX, XXXX, XXXX, Treasury forms XXXX, XXXX and XXXX and XXXX. 
XXXX. Additionally, you agree that every year an additional set of liens can be filed with the Treasury if such injury to me persists on a yearly basis. It is understood that even though a Treasury Form XXXX is for a Tax Class XXXX and the XXXX A and XXXX are a Tax Class XXXX, I do not know any other way of filing this debt for collection other than to use these forms, so I use them without prejudice. 
The ability to place a lien upon a ( wo ) mans property, such as to temporarily deprive him ( her ) of its beneficial use, without any judicial determination of probable cause dates back not only to medieval XXXX but also to XXXX times. United States Supreme Court, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. 
I, XXXX XXXX XXXX, XXXX do hereby avow that based upon my firsthand knowledge and information relayed to me from research, this Conditional Acceptance, is true, accurate and correct to the best of my knowledge, information and belief and conveys the conditions set forth under this Conditional Acceptance as intended by me the man and by me the human Principal/Beneficiary to and human beneficiary of the Social Security Cestui que XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I do in good faith expect you to handle these matters with ordinary care to address all subject matter.

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