Consumer complaint received 2023-06-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Notice to EQUIFAX INC and to whom it may concern all alleged obligation ( s ) reported to consumer file, I am submitting this complaint myself as federally protected private consumer, natural person, without the aid of an attorney, credit repair organization. Notice to EQUIFAX INC and to whom it may concern I revoke any and all consent to any communication by use of XXXX XXXX and/or electronic agents and demand a response signed by an authorized officer and no other, in honor and compliance to my federally protected right to relief. 
Take notice that according to XXXX XXXX XXXXXXXX its illegal to post income on a consumer report as charge off according to the XXXX is income the company has to file a XXXX. 
I received a copy of my credit file dated XX/XX/2023 Confirmation # XXXX by the financial institution, EQUIFAX INC, doing business as a consumer reporting agency, that contains my personally identifiable information that has been collected, gathered without any proof of my written permission and has indirectly resulted deprivation of right to consumer credit and misappropriation of my personal property as a result of the information collected illegally I violation of Fair Credit Reporting Act. The use of criminal means to harm the reputation, or property of any person is a violation of the Fair Debt Collection Practices. I hereby submit this complaint as a federally protected consumer pursuant to the Fair Credit Reporting Act, Fair Trade Commission Act, Sherman Act and the XXXX XXXX XXXX XXXX  against the authorized officer, XXXX XXXX XXXX ( XXXX ) of EQUIFAX INC for their participation in conspiracy, unfair and deceptive practice resulting in the illegal restraint of trade, the defamation of character and slanderous hearsay information in consumer reports that resulted in the deprivation of my right to consumer credit. 
In accordance to the foregoing, I believe I have targeted on account of race and national origin and denied a right I am entitled to exercise without good cause shown. 
This complaint is in dispute of the use of obscene or profane language or language the natural consequence of which is abusive to me as the hearer or reader. I been made the victim of discrimination and identity theft by what appears to be a unfair treatment and data breach for which I am making this complaint against EQUIFAX INC as dispute of unverifiable information and unauthorized reporting of my non-public Personally identifiable information as identity theft, misappropriation, unauthorized use and racketeering activity by EQUIFAX INC. for which proof of claim under oath is demanded for verification of reinvestigation and removal of all deprecating, discouraging, slanderous negative information without adequate proof. The advertisement on a credit report for sale of any debt ( unpaid balance ) to coerce payment of the debt is oppressive, abusive and is harassment. Any debt collector or furnisher communicating with EQUIFAX INC. as other than the consumer shall not state that such consumer owes any debt. 
I have notified EQUIFAX INC. of my right of consumer privacy and requested verification of investigation and EQUIFAX INC. has deliberated encroached upon my right of privacy by an act of XXXX XXXX. I hereby inform EQUIFAX INC. by this permissible written instructions to promptly Cease and desist reporting XXXXXXXX XXXX in absence of verifiable proof of claim under oath and to exclude from the report information solely as to transactions or experiences between me the consumer and the person ( s ) making the report and to also exclude any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card ( social security card ) or similar device ( social security account number ) to also include removal of all late payments in accordance to 15 USC 1666b. Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. I revoke any and all authorization by EQUIFAX INC. and its affiliates heirs and assigns all use of my personally identifiable information and negative reporting.

Company response to consumer: Closed with non-monetary relief