Consumer complaint received 2023-07-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Notice to agent is noticed to principle notice to principle is noticed to agent this is to inform the CFPB once again to do a proper investigation on the companies that I have mentioned in my Previous Disputes XXXX  XXXX/ XXXX/ XXXX XXXX XXXX XXXX XXXXThe Department of Education Which is sold my information without my consent The List of accounts below has violated. my federally protected consumer rights to privacy and confidentiality 15 U.S.C 1681 section 602 A. States I have the right to privacy. XXXX XXXX has not provided the consumer the documentation requested contracts wet signature showing I have an obligation to pay this debt The Department of Education federal student aid XXXX XXXX XXXX XXXX XXXX XXXX XXXX There has never been a late payment neither a Balance on this account this is a fraud between all the companies. 
that I have mentioned they has been selling my information without my consent I have the right of privacy Under 15 U.S.C 1681 section 602 A. States I have the right to privacy also this is a criminal act. 
15 U.S. Code 1611- Criminal liability for willful and knowing violation in another word.

18 U.S. Code 894 - Collection of extensions of credit by extortionate.this is to inform the CFPB That's as an American and the information the XXXX XXXX had provided to the consumer is not frivolous either fraud or schemes This the Law this is my understanding As an American,31 U.S. Code 5118 - Gold clauses and consent to sue ( 3 ) Except. As a corporation there's rules and regulations that XXXX  XXXX need to follow and by you mentioning that you do not recognize these claims as valid under state or federal Incorporated which makes you a franchise You are required to follow rules and regulations under the commercial code 3-303. VALUE AND CONSIDERATION And with all the respect that you deserve UCC-1 308 A party that with explicit reservation of rights performs or promises performance or assents to performance in a manner demanded or offered by the other party does not thereby prejudice the rights reserved. Such words as without prejudice, under protest, or the like are sufficient Under the Commercial code that you need to go by by Since I have addressed this issue directly to XXXX XXXX / UCC 3-414/ UCC 3-415 This account has been paid in full by money order directly to XXXX XXXX I have been addressing this issue since XXXX The information that you sent does not apply to me I never took those courses of graphic design I took XXXX  and XXXX XXXX  and those courses cost me {$3500.00} for 6 months, which I never received a XXXX neither a XXXX XXXX XXXX by XXXX XXXX XXXX. Which at the time I took because in order for me to proceed with the course I needed to be a XXXX  from XXXX XXXX I am providing the notice of loan guaranteed disclosure statement that was provided from XXXX XXXX in XXXX When this loan was assume to be paid I am holding a cannibal for the missed proper treatment and handling and damages XXXX XXXX and all franchise companies so called federal student aid.

Company response to consumer: Closed with non-monetary relief