Consumer complaint received 2022-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am XXXX XXXX and Im submitting this complaint myself and there is no third party involved. XXXX XXXX Bank presented me with a fraudulent contract, they did not fully disclose all accurate and truthful information in the credit card contract. 
XXXX XXXX Bank was sent a cease and desist as well as an acceptance for value which they refuse to accept even though it is a form of payment since there is no lawful money. 
XXXX XXXX Bank not only committed consumer rights violations, fraud, racketeering but also identity theft. Pursuant to 15 USC 78m ( q ) ( 1 ) ( c ) a payment means that is made to further the commercial development of oil, natural gas, or minerals. XXXX XXXX Bank attempts to collect payment are a violation of federal law, and the contract stating payments on the loan is deceptive as well as null and void. The promissory note that I signed to get the credit card is actually a credit instrument that was used in order to grant bookkeeping entry into the account which is equivalent to money. The alleged debt was already paid for with the signing, delivery, acceptance, and deposit of the promissory note. The moment I signed its blank indorsement and XXXX XXXX Bank took and made it a special indorsement according to UCC 3-205. Pay to the order of and its then negotiated for face value or close to it. This alleged debt is not an actual debt. The United States government created a bond ( which is my birth certificate ) with which negotiable instruments may be issued. My bond and social security number provided the security interest for the consumer credit transaction. Security which covers all obligations or alleged obligations which is that of the United States government pursuant to 18 USC 8. The United States has also issued full faith and credit on my bond as evident by article number XXXX. 
XXXX XXXX Bank has reported to consumer reporting agencies, without my consent, that I owe an alleged debt however that alleged debt is being reported in a positive balance. It is impossible to pay/owe on a positive balance, if it was an actual debt and is owed it should be shown in the negative. They are reporting the account as closed, charged off as bad debt ( when again the debt was never mine to begin with ) and they are still reporting a fraudulent balance. This alleged debt is not an actual debt that I owe. Also if the account has been charged off it should not still reflect a balance due, the fact that it does is fraudulent. XXXX XXXX Bank has failed to balance out my account every month to rectify their bank error caused by their mismanagement of payment. XXXX XXXX Bank has stated that the account has been closed by the credit grantor but I didnt close the account. They are not the credit grantor ; the consumer which is me is the actual credit grantor. 
I demand XXXX XXXX Bank produce an Insurance audit trail, a money audit trail in accordance with GAAP, or full disclosure in accordance with 15 USC 1681g and all other documentary evidence in accordance with 15 USC 44 which I demanded.

As a result of these documents being sent to restore my financial reputation, XXXX XXXX Bank is reporting false and fraudulent information that comprises my financial reputation which is an attempt to discriminate against me pursuant to 15 USC 1691 ( a ) ( 3 ). 
Pursuant to 12-1641, as XXXX has failed to resolve my concerns within sixty days this alleged debt must be discharged.

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