Consumer complaint received 2022-07-26
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX I sent Equifax an affidavit sating my points for removal of inquiries, and an invoice for the federal violations that they committed. On the XXXX I received the receipt of mailing sating that they got it on the XXXX. I received the results of the " investigation '' on the XXXX and they WERE SAID TO BE FROM A DISPUTE GENERATED ON THE XXXX OF XX/XX/2022. Now that is quite impossible for one. 
I have never given my express written permission for Equifax to use m information, and in their response it was noted that all information is factual, which are things not supposed to be included in a credit report. Furthermore I am the original creditor. I am the holder of the name. and NEVER received compensation for the use of my information, that they continue to sell illegally. They have aided in stopping me from obtaining goods on credit, harmed my reputation, and made life generally a little bit harder. I would venture to say i feel like they are running a monopoly against me by using a fraudulent system to calculate my credit worthiness without actually having any contact with the extender of the credit. I received outside not It was stated in the response from Equifax that they verified all informaion, but I never received a letter asking if the things are true as they are supposed to do during an investigation into disputes. That have never asked my peers about me. They know nothing about me and produce heresay which can not make an accurate report. If it is their grave responsibility I do not feel, as the consumer and original creditor, that they are doing their job.. Nor do they care about fixing the issues that they cause. 
They XXXX XXXX ability to purschase goods, and that effects the economy. They aid in " credit denials '' while catching consumers unaware of them insuring purchase against securities. 

I would like a copy of the steps and actions you took to dispute my credit profile. I was told that inquiries stay on my report for 2 years, but accounts that I have on the exhibits I sent are somehow not reporting according to Equifax. Some of them were from 2022 so how can they not be reporting if I saw them, pointed them out, and all within the same year? Not only are they defrauding me out of my own credit, monopolizing " credit '' and the " extension '' of it, they are aiding in defrauding the United States. If consumers can not rely on fair and accurate credit reporting there can be no fair credit, and thus effects trade and interstate commerce. 

Equifax also said my dispute was not, although they understood what I was disputing entirely. It has been all lies. They steal my identity repeatedly and sell it for profit, furnish false information, disrupt commerce, slander my reputation and creditworthiness, and lie about the practices and procedures they took. How can a report be generated on the XXXX if you signed as receiving on the XXXX?, There is to be no factual information in a consumer report. They have never spoken to my peers or neighbors. They have never spoken or received communications from me about my own credit info, nor have they ever sent me anything regarding additions to my report as the creditor. They blatantly lie to consumers such as myself and receive no administration or admonishment for their actions and act as if they are above the law, when it clearly states violations and rules of procedure ... .which they also blatantly lie about by providing false and deceptive forms. How can anyone credit me if I'm extending the credit? Who verified it if I did not? how was it verified? It wasnt. I will send another affidavit with what I sent previously, and a letter of default and opportunity to cure.

Company response to consumer: Closed with explanation