Product: Credit reporting or other personal consumer reports

Earlier this year I requested a free copy of my credit report from Equifax and XXXX. XXXX provided me with a copy of its file on me while Equifax refused to provide me with a copy of its file on me for false and specious reasons. Furthermore, this kind of refusal is habitual behavior by Equifax. 

Attached to this complaint is a PDF copy of Equifaxs response ( dated XX/XX/2024 ) to my request. In it, Equifax lies about a number of items, that are used as pretexts for withholding the free annual copy of my credit file that Equifax is required to provide to me, including : XXXX ) Equifax already has most if not all of the information it requested, including my name, address and utility bills to verify both. As stated in my request for the file, I have lived at the same address for nearly a quarter of a century and have received numerous previous copies of Equifaxs credit files on me during that time, but it typically is inordinately difficult to obtain them. Indeed, Equifax sent its response to the very address it has had on file for me for nearly a quarter of a century and I provide proof of this fact in this complaint. So it is simply false that Equifax does not have my address. 

XXXX ) Equifax also lied in claiming, We are unable to locate a credit file in our database with the identification information you provided. On the contrary, it has sent me several earlier versions of the information it keeps about me. 

XXXX ) Equifax has numerous times received copies of utility bills with exactly the information it claims it needs to avoid providing a free copy of my report to me. 

For years Equifax has been a hostile party to me that has wantonly and habitually violated my rights under the FCRA and other requirements, including not maintaining secure operations and protecting information about me from state-sponsored cyber criminals, spreading false birthdates and other inaccurate information about me to unauthorized third parties. There is no excuse why this country allows its XXXX, military and other government personnel to be sitting ducks via derelict companies like Equifax so much that the US has become a magnet for constant, state-sponsored cyber attacks from all over the world. The inability of federal or state government within the US to close and remove Equifax from the market, or to prosecute and remove its leaders because the company has never maintained decent minimal standards, is intolerable, and its failure to stop this predator from making the public, small business owners and individual XXXX XXXX the price for its habitual illegalities is worse. As such, this habitual offender is not entitled to use my social security number for its illicit activity and I vehemently oppose it using, storing or spreading my social security number around to any third party. It has repeatedly and definitively proven itself to be untrustworthy. My social security number belongs to me and the federal government. It was not created nor intended to further Equifaxs XXXX XXXX XXXX profiteering at my expense, and Equifax has no privileged claim to use and abuse it as it does over my objections and ineffective regulation. Therefore, the burden of proof for these and other claims about me that Equifax makes is on Equifax, not me. Its attempt to slough off its responsibilities onto me creates an unfair, abusive and undue burden on me to correct its infamously, recalcitrantly illegal operations. I can not be conscripted into doing Equifaxs dirty work perpetually because it does not want to pay for personnel sufficient to eliminate its systemically corrupt operations. Nor can I be blackmailed into the same by its unfair and abusive refusal to provide me with a copy of its sewage-filed, inaccessible file on me. 

In addition to the foregoing, false information appeared in the recent XXXX report that I received. In view of Equifaxs abysmal track record, it is a virtual certainty that it contains the same and/or additional false information in its file about me.