Joint Letter to the Securities and Exchange Commission, FBI, and Department of Justice

 

Joint Letter to the Securities and Exchange Commission, FBI, and Department of Justice

Zachary Moore
371 Buckskin Court
Parker, CO 80138
January 24, 2025

To:
Securities and Exchange Commission (SEC)
Federal Bureau of Investigation (FBI)
Department of Justice (DOJ)

Subject: Request for Immediate Investigation into Systemic Fraud, Constitutional Violations, and Usurious Practices by Alliant Credit Union, Messner Reeves LLP, and Related Parties

Dear Sir or Madam,

I am writing to formally request a comprehensive investigation into systemic fraud, abuse of process, and constitutional violations involving Alliant Credit Union, their legal representatives at Messner Reeves LLP, and several public officials. This case highlights egregious breaches of federal and state laws, as well as a fundamental disregard for constitutional protections, including violations of the Thirteenth Amendment’s prohibition of involuntary servitude due to usurious financial practices.

Despite repeated formal requests, Alliant Credit Union has failed to provide proof of a valid contract or evidence of injury while aggressively enforcing foreclosure actions. Their legal representatives, Messner Reeves LLP, have knowingly perpetuated this fraud, and public officials, including Judge Teresa Slade and the Elbert County Sheriff’s Office, have executed enforcement actions without requiring or verifying evidence.

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Case Overview

Key Violations

1. Fraudulent Enforcement of Contracts Without Proof

   • Alliant Credit Union has consistently refused to produce evidence of valid contracts or demonstrate injury.

2. Negligence and Misrepresentation by Messner Reeves LLP

   • Messner Reeves LLP has engaged in enforcement actions without verifying the validity of claims, violating legal and ethical responsibilities.

3. Constitutional Violations by Public Officials

   • Judge Teresa Slade authorized foreclosure actions without due process, violating the Fifth, Fourteenth, and Thirteenth Amendments.
   • The Elbert County Sheriff’s Office executed foreclosure orders without verifying their legitimacy.

4. Usurious Practices and Involuntary Servitude

   • Alliant Credit Union’s use of contracts rooted in fraudulent and usurious lending practices constitutes a modern form of involuntary servitude, violating the Thirteenth Amendment. These practices force individuals into a cycle of perpetual debt, with no clear path to freedom.

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Applicable Laws and Violations

Federal Laws

1. Fair Debt Collection Practices Act (FDCPA) [15 U.S.C. § 1692 et seq.]

   • Prohibits deceptive, unfair, and abusive practices in debt collection.

2. Truth in Lending Act (TILA) [15 U.S.C. § 1601 et seq.]

   • Requires clear and accurate disclosure of loan terms.

3. Racketeer Influenced and Corrupt Organizations Act (RICO) [18 U.S.C. § 1961 et seq.]

   • Addresses patterns of fraudulent activity, including collusion to enforce invalid contracts.

4. Federal Consumer Protection Laws [15 U.S.C. § 45(a)]

   • Prohibits unfair or deceptive acts under the Federal Trade Commission Act.

Constitutional Violations

1. Fifth Amendment (Due Process Clause):

   • Deprivation of property without due process of law.

2. Fourteenth Amendment (Equal Protection and Due Process Clauses):

   • Systemic failure to require evidence violates equal protection and due process guarantees.

3. Thirteenth Amendment (Prohibition of Involuntary Servitude):

   • Usurious financial practices that trap individuals in a perpetual cycle of debt constitute a form of involuntary servitude.
   • Relevant Actions: Enforcing fraudulent contracts secured by fiat currency and terms that prevent individuals from escaping economic bondage.

State Laws (Colorado)

1. Colorado Consumer Protection Act (CCPA) [C.R.S. § 6-1-105]

   • Prohibits deceptive trade practices, including bad faith in enforcing contracts.

2. Abuse of Process (Common Law Tort)

   • Using legal processes for purposes other than those intended.

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Defendants and Their Roles

1. Alliant Credit Union:

   • Originated fraudulent contracts and failed to provide proof of validity or injury.

2. Messner Reeves LLP:

   • Represented Alliant in enforcement actions without verifying claims.

3. Judge Teresa Slade:

   • Authorized foreclosure orders without requiring evidence of contract validity or injury.

4. Elbert County Sheriff’s Office:

   • Executed foreclosure orders without verifying their legitimacy.

5. Individual Lawyers at Messner Reeves LLP:

   • Directly participated in fraudulent enforcement actions.

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Requested Actions

1. Initiate Federal Investigation:

   • Investigate Alliant Credit Union, Messner Reeves LLP, and involved public officials for systemic fraud, constitutional violations, and abuse of process.

2. File Criminal and Civil Charges:

   • Pursue legal action against all parties involved under applicable federal laws, including FDCPA, TILA, RICO, and constitutional provisions.

3. Protect the Public from Further Harm:

   • Issue a public statement to prevent Alliant Credit Union and other institutions from perpetuating similar fraudulent practices.

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Supporting Evidence

I have compiled extensive documentation of these violations, including:

• Correspondence with Alliant Credit Union and Messner Reeves LLP through the CFPB complaint portal.
• Court orders and enforcement actions issued without proof of contract or injury.
• Requests for accountability sent to local, state, and federal officials.

This evidence is consolidated in a resource hub for your review: [Link to Resource Hub].

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Conclusion

This case exposes systemic fraud, constitutional violations, and usurious practices that undermine the rule of law and the principles of justice. Alliant Credit Union and Messner Reeves LLP have demonstrated a disregard for federal and constitutional laws, but individuals within these entities still have an opportunity to act with integrity.

Your agencies’ involvement is critical to holding these parties accountable and preventing further harm to the public. By investigating and addressing these violations, you can set a precedent for justice and reform.

I urge your agencies to take immediate action to address these violations and bring those responsible to justice. Please feel free to contact me directly for additional details or evidence.

Sincerely,
Zachary Moore
[Contact Information]