Consumer complaint received 2023-03-11
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
EQUIFAX CFPB XX/XX/XXXX To Whom it May Concern ; I am writing you about inaccuracies that are being inequitably furnished by Equifax on my Consumer Report. These inaccuracies damaged my right to extend credit. I am being discriminated against by a long list of apartment complexes solely due to harmful information on my consumer report. According to 15 USC 1681 ( a ) ( 3 ), Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. I hereby put your organization on notice and am informing you that I NEVER gave consent to this report being furnished by you on my behalf. I am aware of the fact that your organization ASSUMED a vital role. Because of this, my livelihood has been adversely affected. There is no law that states anything needs to be reported to a consumer reporting agency. Therefore, Equifax is liable under 15 USC 1681n. 15 USC 1681 ( a ) ( 4 ), clearly states that consumer reporting agencies MUST exercise their grave responsibilities with fairness, impartiality, and RESPECT for THE CONSUMERS RIGHT TO PRIVACY. Your organization neither exercised its responsibilities with fairness and impartiality NOR protected MY right to PRIVACY. Please show me the law where it states a credit reporting agency may report non public personal information on a consumer without consent. I called and spoke to your representatives several times to remedy this. Ive lost countless hours since XXXX to this. Ive lost sleep, nutrition, a portion of my moving money, and am STILL suffering from mental anguish and anxiety every day as a result of this. Available apartments I am qualified for are being rented by others as my reputation continues to be affected by these inaccuracies and without my consent. I have a deadline to move by XX/XX/XXXX! My safe livelihood is at stake and I am at risk of homelessness because of EQUIFAX not PROTECTING MY RIGHT TO PRIVACY and furnishing non-public personal information WITHOUT MY CONSENT. You should be ashamed for operating in a way that puts consumers lives at risk, blatantly committing fraud, and aggressively violating consumer rights to privacy. I am requesting proof that Equifax investigated any negative items you furnished to my consumer report. This grave step affects my reputation. Pursuant to 15 USC 1681a ( e ) an investigative consumer report would mean you conducted interviews with family and friends. You must not rely on information from a creditor. In the FCRA, 15 USC 1681a ( e ) clearly states that an investigative consumer report is ; obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information SHALL NOT include factual information on a consumers credit record OBTAINED DIRECTLY FROM A CREDITOR of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Further, pursuant to 15 USC 6802 ( b ) I was supposed to be given a disclosure to opt out of my non public personal information being reported by a non affiliated third party.

I was not given this disclosure. Further, pursuant to 15 USC 1681b credit reporting is voluntary. I did NOT consent neither did I provide written notice to you to report account status. Pursuant to 15 USC 1666b timing of payments, a creditor MAY NOT treat a payment on a credit card under an open ended credit plan as late for ANY PURPOSE. Pursuant to 15 USC 1681 ( a ) ( b ) your organization did not adopt such procedures that meet the need of commerce for consumer credit. As a result, I hereby demand you to do the following today ;. Block and Delete Update the account as paid/current I was never late on this account. Update the account as paid/current The Federal Government took away our lawful money ( silver & gold ) in XXXX but Congress had to provide the people a remedy. Public Law : Chap. 48, 48 Stat. 112 under HJR 192 is that remedy and in part states that the Federal Government will discharge all of our debts, public and private, dollar for dollar. That the giving a ( federal reserve ) note does not constitute payment. The use of a ( federal reserve ) Note is only a promise to pay. Legal Tender ( federal reserve ) Notes are not good and lawful money of the United States. See Rains v State, 226 S.W. 189.

I can't provide exact dates because I have beeN TRYING FOREVER As they refuse to verify and/or validate the debt properly and in accordance to federal law, therefore I am submitting this complaint. I have a problem with their legal characteristic by nature, as they have not given equitable relief. I am submitting one Administration Judgment ( documentation ) for proof and the account should be discharged. This firm has been unlawfully and illegally trying to collect on monies already prepaid pursuant to HJR-192 of 1933. Additionally pursuant to 31 U.S.C. 3123 the interest and public debt is the obligation of the United States. I must also report that it has been past 7 years and this firm is still continuing to report false information on the report. I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ), I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( which they keep reporting illegally ). As a result of these blatantly reckless, wanton and intentional acts, I have suffered and continue to suffer general and specific damages. 
I am comprehending that the credit reporting agencies, EQUIFAX INCXXXX, XXXX AND XXXX delete ALL accounts that I have reported as fraudulent regarding identity theft within FOUR ( 4 ) days of my report, and NONE OF THEM HAVE DONE SO, violating the laws that are placed to protect consumers.15 U.S. Code 1681c2 - Block of information resulting from identity theft. : ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency> My reporting was NOT in ERROR, so the reporting agencies have NO right under the law to continue to " report '' my PRIVATE information for the public corporations to see. Thank you for your time and effort in this important and urgent matter.

I disputed every negative item on my credit report, I also provided accurate information for the reasons why I'm not liable for those debts according to the law, I'm full aware that all these corporations, including this very one I'm utilizing for the complaint is using a name not associated with me, I've stated I'm not a ALL CAPITAL LETTERS CORPORATION or 14th Amendment Citizen, I'm a free National, most of those debt collectors aren't a party to the matter, they brought the debt from the original creditor, I never signed a contract with any of them, and for your organization to confirm anything from those debt collectors is fraud, because they're using a name similar to mines, who isn't me, I've also reserved my rights ... UCC 1-308, I've quoted HJR 192, and only Congress can coin and make legal tender, Credit is not legal tender, I have grounds to sue these debt collectors or any organization who uses my name without my consent, and committing fraud. ALSO According to the fair credit reporting act, all negative items must be removed once it is known as an inaccurate account. These accounts still states accurate on my report, which it is proven to be inaccurate because their was no proof of claim mailed to me. Also according to Hjr 192 The US Congress passed the Emergency Banking Act. IT WAS LATER announced to the 73rd congress that the UNITED STATES was bankrupt. The passage of House Joint Resolution HJR-192 removed the ability of the public to pay debt with lawful money. This made it illegal to demand lawful money for the payment of debt.See references : 48 Statute 1, Public Law 89-719, HJR 192, Public Law 73-10, American Bar Association Unbound Volume 1938 , 31 USC 53 section 5312 ( 3 ) ( C ), 31USC5312 ( 2 ) ( r ), PL 97-258, 96 Stat. 995, PL 99-570, PL 100-690, PL 103-325, PL 107-56, PL 108-458, 1USC 1362, 6 USC 6185 ( a ), 4USC 405-409, 3USC 321 ( a ), ( b ), 359 ) ( a ), 365 ( c ), 4USC 6202 ( g ), 6203 ( b ), 100 Stat. 3207-33, 102 Stat. 4354, 4357, 108 Stat. 2247, 2252, 115 Stat.315, 328, 335, 118 Stat. 3746, PL 97-258, PL 97-452, 16USC 831 ( h ), PL 98-369, PL 101-508, PL 102-589, PL 104-134, PL 105-46, 5USC 5129 ( b ), 98 Stat. 1153, 6USC 2653 ( a ) ( 1 ), 104 Stat. 1388-287, 106 Stat. 1488, 3USC Also, according the Constitution Article 1 section 10 Article 1 section 10 No State shall enter into any Treaty, Alliance, or Confederation ; grant Letters of Marque and Reprisal ; coin Money ; emit Bills of Credit ; make any Thing but gold and silver Coin a Tender in Payment of Debts ; pass any Bill of Attainder, ex post facto Law, or Law impairing the Obligation of Contracts, or grant any Title of Nobility. No State shall, without the Consent of the Congress, lay any Imposts or Duties on Imports or Exports, except what may be absolutely necessary for executing it's inspection Laws : and the net Produce of all Duties and Imposts, laid by any State on Imports or Exports, shall be for the Use of the Treasury of the United States ; and all such Laws shall be subject to the Revision and Controul of the Congress.

Per Cfr 1022.41 and 15 USC 1681 Permissible purposes XXXX XXXX XXXX { {$60.00} } is reporting incorrect across all XXXX credit reporting agencies EQUIFAX, XXXX, XXXX XXXXPer 15 USC 1666a -b Reporting ADVERSE credit ratings or standings on my credit report, Timing on Payment the credit reporting agencies can not report utilization to any 3rd party All 3 companies are reporting Utilization which is wrong. A closed account and charged off account can not report any past due Balances. Per 31 CFR 903.5 AND 31 USC 3711 Also a charged off account is income and a certificate of Indebtedness according to the Irs Publication. The credit reporting agencies are not to report income on my credit report. Every month EQUIFAX INC. is reporting C/O charge off on my credit report and that is illegal you can't charge off a debt every month it is re-aging the debt making it look newer than what it is and manipulating the the system. 
EQUIFAX INC. has violated my privacy numerous of times by selling my information multiples times to 3rd party without my consent. XXXX and XXXX XXXX XXXX are the two companies XXXX XXXX XXXX, AND EQUIFAX has sold my personal information to such as my address, social security number, birthday and name and they are lying about it. EQUIFAX INC. is in violation of my privacy rights Per the Privacy Act of 1974 Also said that under 5 USC 552A your social is not suppose to be given out to anyone. They also sharing information with another 3rd party /non affiliate which is in violation of my 16 CFR 313.7 Opt-Out notice. EQUIFAX INC. and XXXXXXXX XXXX XXXX., violated my rights as well under 15 USC 6802-6805 They are suppose to send me a opt-out letter every 30 days. I Have the right to opt-out of anything on credit report. Here is a list of laws that EQUIFAX INC. is abusing and violating me as well as all 3 credit reporting agencies EQUIFAX INCXXXX, XXXX and XXXX. 12 CFR 1022.41 ( a ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer. c ) Furnisher means an entity that furnishes information relating to consumers to one or more consumer reporting agencies for inclusion in a consumer report. An entity is not a furnisher when it : ( 1 ) Provides information to a consumer reporting agency solely to obtain a consumer report in accordance with sections 604 ( a ) and ( f ) of the FCRA ; ( 2 ) Is acting as a consumer reporting agency as defined in section 603 ( f ) of the FCRA ; ( 3 ) Is a consumer to whom the furnished information pertains; or ( 4 ) Is a neighbor, friend, or associate of the consumer, or another individual with whom the consumer is acquainted or who may have knowledge about the consumer, and who provides information about the consumer 's character, general reputation, personal characteristics, or mode of living in response to a specific request from a consumer reporting agency. ( d ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : The Privacy Act of 1974 is a federal law that governs our collection and use of records we maintain on you in a system of records. A system of records is any grouping of information about an individual under the control of a Federal agency from which information is retrievable by personal identifiers, such as name, social security number, or other identifying number or symbol. Under the Privacy Act, Federal agencies may not disclose information without consent unless certain exceptions apply to the disclosure. The Privacy Act provides protections to individuals in three primary ways. It provides individuals with : the right to request their records, subject to Privacy Act exemptions ; the right to request a change to their records that are not accurate, relevant, timely or complete ; and the right to be protected against unwarranted invasion of their privacy resulting from the collection, maintenance, use, and disclosure of their personal information. 



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Company response to consumer: Closed with explanation