Consumer complaint received 2023-08-04
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
THIS ISTHE VERY FIRST Complaint since obtaining information directly from the Federal Student Aid Dept. through a FOIA request.

A Fraudulent scheme to deliberately cause me monumental harm, with the intent to destroy mine and other consumers ' lives. 

I have been fighting for over a year concerning Student loans from XXXX, which all had a date of original delinquency of XX/XX/XXXX yet continue to report as a RECENT DELINQUENCY. 

NOT : They shouldnt even be reporting at all As I have provided the original loan agreements and along with proof of first delinquency with previous complaints. 
XXXX, XXXX & Equifax have literally entered into a scheme to provide me with a FAKE credit report with the intention of hiding 19 delinquencies they are furnishing to creditors with the knowledge this information they are furnishing in INACCURATE. 
The credit reports I receive through all three credit bureaus show NO recent delinquencies. XXXX and Equifax provide me a report which have XXXX delinquencies ( I have attached that report ) The delinquencies each credit bureau is reporting are 19 Student loans originating from XXXX. The last activity of all these Student loans took place in XXXX of XXXX. Easily more than 7 yrs old. 
Further, XXXX has blocked me from obtaining a true copy of my credit report. I have attempted to order my XXXX report over 8 times via the XXXX website. The latest were on XX/XX/XXXX, XX/XX/XXXX, twice on XX/XX/XXXX. Each time getting the following response : Unable to complete your request online This is despite the fact that XXXX would text me a code to confirm my identity and each time I would correctly enter that code. ( see attached screenshots ). Additionally, each time on those same dates I would use the 2nd option to order my credit report by phone, 4 times talking directly to an agent in the SPECIAL HANDLING DEPARTMENT, after confirming my identity each time. Yet since XX/XX/XXXX I have not received one report from XXXX. 
Even more blatant and proof of my claim, on XX/XX/XXXX I spoke directly to Special Handling departments agents XXXX, XXXX & a 3rd female representative supervisor. They have all claimed they can not provide me with my credit report because they can not identify who I am. This is despite the fact that I have offered to provide my Passport, original copy of my social security card, My drivers license. As crazy as this sounds, I have recordings of each of those conversations. 
Through a FOIA Request I have obtained the exact information FAFSA has provided to XXXX, XXXX & EQUIFAX. 
The Federal Student loan department has been furnishing the credit bureaus that all my student loan accounts are in good standing- there is not one mention of a delinquency at any time. I have provided a copy of that report. 
I am also providing another copy of my PassPort for XXXX, although in a prior conversation with XXXX Special Handling Dept. I offered my passport as proof of Identity which they literally refused to accept. Proof XXXX had no intention of providing me with my actual credit report. 
XXXX CEO, XXXX XXXX XXXX is well aware of my situation as I have sent him numerous direct emails which I have received confirmation those emails have been opened. Therefore XXXX XXXX can not make a plausible deniability claim as I intend to file a civil suit against him directly. I also intend to seek criminal charges against him under the RICO act.

Over the last 18 months I have been denied credit over 20 times with the primary reason as RECENT DELINQUENCIES, and high balances on my credit cards which I also do not have.

As a result I have been turned down for a mortgage, buying a car forcing me to spend tens of thousands on rental cars which I was renting by the month. 

I was unable to rent a home or apartment due to these RECENT DELINQUENCIES, Unable to take advantage of financing promotions through XXXX, XXXX and others Among numerous other harms as a direct result of XXXX, XXXX and Equifax scheming together to commit this fraud against me. 

I have years of documents and phone call recordings to support my claims. 

Additionally, I have finally uncovered proof XXXX paid off a district Judge through a third party on a lawsuit I filed against them earlier this year.

Finally, and as a result of the Government 's refusal to hold many corporate scumbags accountable for their deliberate schemes and fraud, I have decided it is time to allow a specific MAGA platform to make these CEOs accountable.

This MAGA platform or the people who run it are well aware that most Govt officials take bribes via donations to their super pacs, promises of high paying jobs and other sources set up specifically to hide corporate donations. Which I believe I can prove and have forwarded my information to a reporter and law firm, to confirm my findings and beliefs.

Most of that information has been turned over to the MAGA source whom I had been informed to reach out to. Apparently, this source needs to confirm my claims before they take action.

Company response to consumer: Closed with explanation