Consumer complaint received 2018-11-20
Company: EQUIFAX, INC.
State: NV
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:
NOTICE : Filing on behalf of XXXX XXXX XXXX not XXXX XXXX this is identity theft and creation of an dead person or entity that does not exist. 

NOTICE TO THE CREDIT BUREAUS EQUIFAX, XXXX, XXXX, WE NOTICE THAT SOMEONE WITHIN YOUR AGENCY ARE WORKING FOR THE PARTIES AT SUIT. 

To ; CFPB we reviewed the responses by the credit agencies and none answered the questions of 1. how is this a Security and a mortgage at the same time. Rather they assumed that i said within my complaint that i signed an agreement with XXXX XXXX   and XXXX XXXX XXXX when this is a lie. 2. All three credit agencies stated that i have a mortgage signed with XXXX XXXX and XXXX XXXX XXXX when this is false also. My purchase of my home was with a different mortgage company not with either XXXX   XXXX  or XXXX XXXX XXXX. They also stated that they agreed with the two XXXX XXXX   and XXXX XXXX XXXX that there is a mortgage and that they had the right to file on my credit history 60 days after i purchased my home with XXXX XXXX XXXX XXXX XX/XX/2018 so how is this apart and correct or connected with XXXX XXXX or XXXX XXXX XXXX. This is fraud and i shall add you to the lawsuit once its filed if this is not removed from my credit history. 

I iam XXXX XXXX XXXX am in sound mind made the decision to address this issue without anyone pushing me. i XXXX XXXX XXXX in sound mind and body purchased a home from XXXX XXXX and not from XXXX XXXX XXXX nor XXXX XXXX. They have intruded upon my privacy and falsely claimed that i somehow met with either corporation and purchase a home from them. Without verification and validation the credit agencies seemed to agree with the two unknown agencies XXXX XXXX XXXX whom are extorting me and XXXX XXXX whom somehow acquired an illegal mortgage without my consent nor knowledge of. 

They claim i XXXX XXXX XXXX in sound mind and body owe them money but would not express what type of currency is due or owed. When all the Banks and Corporations herein this matter did not responded to my cease and desist notice asking how was the funds created and where did the funds come from? They failed to answer. When i asked how did they obtain my private information they failed to answer. Rather somehow they shared some information with the Three credit agencies and they agree that their is a mortgage debt due but did not share this information that is supposed to be my private information with me XXXX XXXX XXXX in sound mind and body. For this i am filing a small claims law suit against all three in the amount of {$5000.00}. For two out of the three have been breached for identity thieves to gain access to my private information. As well they seem to agree with XXXX XXXX or XXXX XXXX XXXX whereas i have not obligations nor a contract with. I never met with anyone from either company as well i have never signed nor agreed to my property becoming a mortgage to be sold as a security instrument rather it is impossible for a security instrument to be a mortgage. It can only be one, a mortgage or an security instrument. For if the instrument was secured there could be no debt. 

Therefore when they could not and did not answer as in i set up correspondence with the CEO of both agencies banks or corporations and they failed to answer within the allotted thirty days. So they received a Failure to Respond notice. According to the FDCPA they must have validated the alleged mortgage or security instrument before answering. They have failed to do so, rather somehow all three credit agencies claim that i XXXX XXXX XXXX a woman in flesh and blood signed a contract with XXXX XXXX XXXX and XXXX XXXX and this is a lie. They also assumed that i am in some agreement to buy a home from either corporation and or agency and this is also a lie. They stated within their response false accusations without verifying facts nor evidence. None of this alleged information was shared with me that was shared with all three credit agencies and this is fraud. 

They also lied within their response that i made mention that i had signed or purchased my home from XXXX XXXX XXXX or XXXX XXXX and this is also slander and libel for they said it and wrote it and placed it within the CFPB website making it public record. False and fraud is this information. 

To the CEOs whom never responded : ill give you proper due process to respond within the next thirty days [ 30days ] to verify and validate this alleged mortgage, and proved me with the evidence written documents according to FOIA freedom of information act, which is The basic function of the Freedom of Information Act is to ensure informed citizens, vital to the functioning of a democratic society. This information was kept from me as all three credit agencies acted as if they shared the same information that XXXX XXXX and XXXX XXXX shared with them, i have no such information and i am requesting this information asap. 

My documents are not third party and are from the original intent to correct my identity when ever someone attempts to use it illegally or without my consent or permission. This is the case right now. 

The Credit Bureaus Company 's Response Thank you for submitting your complaint on XX/XX/2018, through the BCFP Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We have reviewed and considered the information, including the attachment, you have supplied through the BCFP portal and directly to XXXX. In your complaint, you indicated that your mortgage account was transferred without your consent. You are requesting that the information regarding the new creditor in charge of the mortgage be removed. We are in the process of contacting the disputed data furnishers to verify the accuracy of the information of the accounts with which you disagree. Please note that a reinvestigation may take up to 30 days. Upon completion, the result summary will be provided directly to you. A transferred debt may display on your credit report under the name of the original company or account, and also under the new company or account after it was transferred. An account that displays as transferred indicates that either the debt was bought by another company or the debt was transferred to another account with the same company. A personal credit report, by law, must list all parties that have requested a consumers credit history. According to the Fair Credit Reporting Act, credit grantors with a permissible purpose may inquire about credit information. Requests for your credit history remain on the personal credit report for 2 years. The federal Fair Credit Reporting Act ( the FCRA ) section 604 outlines permissible purposes of consumer reports. The inquiries shown on a credit report are a factual record of the companies who have accessed and reviewed a consumers profile. They are only logged on the report, when in fact, an inquiry was made. A record of this activity, pursuant to federal law, must remain a part of record. Please note that XXXX does not receive a copy of any applications made to credit grantors. You may wish to contact the creditor directly for that information. If you have any additional supporting new documentation regarding the disputed information, you may forward that to XXXX for further review. If you disagree with the results of the reinvestigations, it is your legal right, under the FCRA, to add a 100-word statement specifying the nature of your dispute. The consumer statement will appear on your credit report and be viewable upon inquiry. If you would like our assistance in providing a concise statement, please contact us directly at the telephone number or address provided on your personal credit report and we would be happy to assist you. You may refer to the credit report that you received for the name, phone number ( if available ) and address of the data furnisher or public records office who verified that information. In addition, for more information regarding your credit and frequently asked questions, you may visit : XXXX XXXX XXXX. For additional assistance, you may call the toll free telephone number provided on your personal credit report obtained directly from XXXX, or write to XXXX at XXXX. XXXX XXXX, XXXX, TX XXXX. Thank you for submitting your complaint through the BCFP Complaint Portal. It is our policy to respond to consumer complaints swiftly and to take each complaint seriously. We appreciate you letting us know about your experiences with XXXX. 

I XXXX XXXX XXXX of sound mind and body oppose this statement and stand for it to be false, please provide this report according to the [ FOIA ] Freedom of information act asap. The records your Exd out does not comply with the FDRA Company responded on XX/XX/2018 Company 's Response According to our system, we have not received any previous investigation requests from you in regards to the disputed information. In response to your complaint, an investigation was initiated into XXXX XXXX XXXX # XXXX. Our investigation was completed on XX/XX/18 and XXXX XXXX XXXX # XXXX was verified as being accurately reported, along with your name, social security number and date of birth. The result of our investigation has been mailed to your current address, for your review. It is our position that the processing of your credit file has been in accordance with all applicable laws and, therefore, we are unable to accede to your request for monetary compensation. 

I XXXX XXXX XXXX of sound mind and body oppose this statement and stand for it to be false, please provide this report according to the [ FOIA ] Freedom of information act asap. 


XXXX XXXX CEO never responded but the CFPB sent this ; After our review, we found that the best agency to help you with your issue is XXXXXXXX XXXX XXXX XXXX. If you would like to submit your complaint with XXXX XXXX XXXX XXXX, contact them directly at XXXX XXXX XXXX or call ( XXXX ) XXXX.

Company response to consumer: Closed with explanation