Whistleblower Report to the Department of Justice Whistleblower Program (1/25/25, 11:40am MT)
Submitted January 25 at 11:40am MT
Whistleblower Report to the Department of Justice Whistleblower Program
To the Department of Justice Whistleblower Program:
I am writing to report ongoing fraudulent practices involving Alliant Credit Union, their legal representatives Messner Reeves LLP, and the policy enforcers of the Elbert County Sheriff’s Office. These entities are complicit in actions that violate both moral law and federal statutes, resulting in harm to individuals like myself and perpetuating systemic injustice that exacerbates societal issues such as homelessness, poverty, and economic exploitation.
Summary of Allegations
False Claims and Failure to Provide Evidence: Despite repeated requests (6 on record via the CFPB portal dating from June 2024 to January 2025), Alliant Credit Union and its representatives have failed to produce evidence of a valid contract, valid consideration, or demonstrable injury (loss). This refusal violates fundamental legal principles and constitutes bearing false witness, a violation of the Ninth Commandment.
Theft via Usury and Fiat Currency Lending: The nature of fiat currency lending itself is inherently fraudulent and constitutes theft. Fiat money is created out of nothing and lent at interest, violating the Eighth Commandment’s prohibition against stealing. This practice violates laws requiring valid consideration in contracts and transparent lending practices.
False Claims and Failure to Provide Evidence: Despite repeated requests (6 on record via the CFPB portal dating from June 2024 to January 2025), Alliant Credit Union and its representatives have failed to produce evidence of a valid contract, valid consideration, or demonstrable injury (loss). This refusal violates fundamental legal principles and constitutes bearing false witness, a violation of the Ninth Commandment.
Theft via Usury and Fiat Currency Lending: The nature of fiat currency lending itself is inherently fraudulent and constitutes theft. Fiat money is created out of nothing and lent at interest, violating the Eighth Commandment’s prohibition against stealing. This practice violates laws requiring valid consideration in contracts and transparent lending practices.
Relevant Legal Violations
The following laws have been violated by the entities named:
Truth in Lending Act (TILA) – Failure to disclose and provide evidence of valid consideration in lending agreements.
Unfair, Deceptive, or Abusive Acts or Practices (UDAAP) – Engaging in deceptive and abusive lending practices.
Fair Debt Collection Practices Act (FDCPA) – Pursuing remedies without validating debt legitimacy.
Uniform Commercial Code (UCC) Articles 3 and 9 – Contracts lacking valid consideration fail under the UCC.
Moral Context: Violations of the Commandments
The Ninth Commandment: By maintaining claims without substantiating them, these parties bear false witness against me, causing harm through unsubstantiated allegations.
The Eighth Commandment: Lending fiat currency at interest constitutes theft, extracting value without providing anything of substance in exchange.
The Ninth Commandment: By maintaining claims without substantiating them, these parties bear false witness against me, causing harm through unsubstantiated allegations.
The Eighth Commandment: Lending fiat currency at interest constitutes theft, extracting value without providing anything of substance in exchange.
Broader Societal Implications
The fraudulent practices of Alliant Credit Union, enabled by their legal representatives and enforced by local authorities, contribute to systemic issues such as economic inequality, homelessness, and financial instability. These injustices stem directly from an economic system that operates on usury and false claims, violating both moral and statutory law.
Evidence and Documentation
I have extensive documentation of these violations, which I have made publicly accessible via the following resource hub:
Moore v Alliant Credit Union et al.
This includes detailed correspondence, legal filings, and records of Alliant Credit Union’s refusal to provide the requested proof of a valid claim.
Additional Evidence
I also have personal evidence against Porsche Financial Services, JP Morgan Chase, American Express, Capitol One, and Harley Davidson Financial Services. These cases represent a systemic pattern of fraud and violations of laws on the books, rooted in the divine law of the Ten Commandments and perpetuated by the entire Federal Reserve system of banks and financial institutions.
Opportunity to Blow the Whistle
I have informed the involved parties of their opportunity to take accountability and report these fraudulent activities themselves. However, they have consistently refused to act. This inaction further underscores the necessity for DOJ intervention to expose and rectify these systemic violations.
Request for DOJ Action
I respectfully request that the Department of Justice investigate these allegations, enforce the applicable laws, and hold accountable those responsible for these violations.
Thank you for your attention to this matter. I am prepared to cooperate fully and provide any additional information or testimony necessary to assist your investigation.
Sincerely,
Zachary Moore
Thank you for reaching out to the team at the Department of Justice Corporate Whistleblower Awards Pilot Program. If your email contains a completed intake form and relates to corporate misconduct in one of the four program areas discussed on the program website and program guidance, we will review the submission to assess whether the information and alleged misconduct are covered under the Department’s pilot program.
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