Consumer complaint received 2022-11-28
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Pursuant to Title 15 USC 1681b the transaction history regarding the XXXX XXXX account is not consistent, should be removed and constitutes a {$2000.00} fine per FCRA and FDCP violations plus as a Equifax willfully and/or negligently violated 15 U.S.C. 1681e ( b ) by failing adhere to the guidelines prescribed by Congress that the rights of this federally protected consumer. 
It is a fact that pursuant to 18 USC 3663 ( 2 ) EQUIFAX has caused COMPLAINANT to become a VICTIM of IDENTITY THEFT pursuant to 15 USC 1681 a ( q ) ( 3 ) by AGENTS of EQUIFAX using the private identifying information of the COMPLAINANT for commercial purposes without the expressed written permission of the COMPLAINANT. 
COMPLAINANT is aware and knows that the COMPLAINANT as the Secured Party is HOLDER IN DUE COURSE of the PREFERRED STOCK ( UNITED STATES XX/XX/XXXX ; XXXX XXXX I. XXXX ) : and holds a prior, superior, security interest and claim on the EQUIFAX XXXX as a DEBTOR and DEBTORs property which does not exclude ALL FILES containing the name and private information relating to XXXX XXXX XXXX SS # XXXX. 
My address is XXXX XXXX XXXX XXXX XXXX, Il XXXX. All six other address being listed on Equifaxs credit report are non-mailable addresses and must be removed. 
It is a fact that EQUIFAX theft of your affiant/victims identifying information is a destruction of your affiant/victims right to privacy pursuant to 15 USC 1692 a.

It is a fact that in violation of 15 USC 1681b, AGENTS of EQUIFAX created FILES with the trademarked and copyrighted private property of your affiant without permission or written instructions from your affiant. 
It is a fact that pursuant to 15 USC 1681M there was a willful non-compliance to compliance procedures in violation of 15 USC 1681e regarding 15 USC 1681b2.

It is a fact that in violation of 15 USC 1681N, EQUIFAX neglected to follow compliance procedures in violation of 15 USC 1681e regarding 15 USC 1681b2.

If the COMPLAINANT is wrong in making any stated claim, ADDRESSEES as TRUSTEES are ordered to correct the record point-for-point using facts of law or waive the right to defense against any error, omission, flaw or defect regarding said claim as ADDRESSEES silence will be noted as acquiescence to said statements. 
COMPLAINANT is aware and knows that in the event of any opposition to this NOTICE OF INTENT TO SUE, the opposition must be done by rebutting each and every point, point by point and making said rebuttal public record. 
COMPLAINANT is aware and knows that all complaints of mail fraud can be handled through the XXXX. 
COMPLAINANT is aware and knows that the terms and conditions of said treaty must be followed by all who choose to use the UNITED STATES XXXX XXXX  for all mailings. 
EQUIFAX caused commercial harm, damage and injury under pretense and colors to this COMPLAINANT and are in breach of numerous legal duties imposed upon the peoples Public Offices, and by Law are barred, estopped and precluded under the " CLEAN HANDS DOCTRINE, '' and PUBLIC POLICY '' from making any claim or right, title, or interest thereon. ( See : 18 U.S.C. 1001 ). Are we correct in making this claim? And if no, please correct us in writing, point- for -point under the penalty of perjury using facts of law. 
It is a fact, that in violation of 15 USC 1681b ( a ) ( 2 ), no written instructions were given validating EQUIFAX use of your affiants private information for commercial use.

It is a fact that EQUIFAX theft of your affiant/victims identifying information is a destruction of your affiant/victims right to privacy pursuant to 15 USC 1692 a. Are we correct in making this claim? And if no, please correct us in writing, point- for -point under the penalty of perjury using facts of law. 
It is a fact that in violation of 15 USC 1681b, AGENTS of EQUIFAX created FILES with the trademarked and copyrighted private property of your affiant without permission or written instructions from your affiant. Are we correct in making this claim? And if no, please correct us in writing, point- for -point under the penalty of perjury using facts of law. 
It is a fact that pursuant to 15 USC 1681M there was a willful non-compliance to compliance procedures in violation of 15 USC 1681e regarding 15 USC 1681b2.

It is a fact that in violation of 15 USC 1681N, EQUIFAX neglected to follow compliance procedures in violation of 15 USC 1681e regarding 15 USC 1681b2. 
COMPLAINANT, is a XXXX XXXX XXXX XXXX  and beneficiary to the XXXX Treaty of XXXX and XXXX between the XXXX XXXX and the UNITED STATES, said treaty being regarded as the supreme law of the land pursuant to ARTICLE SIX of the CONSTITUTION, whose claim may be referenced by LIBRARY OF CONGRESS CATALOGUE # TxU 2-22-088. 
It is a fact, that EQUIFAX is a DEBT COLLECTOR as defined by 15 USC 1692a ( 1 ).

It is a fact that pursuant to 18 USC 3663 ( 2 ) EQUIFAX has caused affiant to become a VICTIM of IDENTITY THEFT pursuant to 15 USC 1681 a ( q ) ( 3 ) by AGENTS of XXXX using the private identifying information of your affiant/victim for commercial purposes without the expressed written permission of your affiant/victim. 
It is a fact, that in violation of 15 USC 1681b ( a ) ( 2 ), no written instructions were given validating EQUIFAX use of your affiants private information for commercial use.

It is a fact that after stealing the private identifying information of your affiant, in violation of 15 USC 1681d ( 2 ) B, although CONGRESS has instructed that authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card is to be excluded from what may be referenced as a consumer report, EQUIFAX did damage to your affiant by refusing to exclude the reporting of the fraud based XXXX XXXX as further destruction of your affiants right to privacy. 
In violation of 15 USC 1681 ( e ) EQUIFAX willfully and negligently failed to provide proof of investigative consumer reports done as defined in the statute by CONGRESS via any natural person serving as a senior AGENT OF EQUIFAX and recorded in writing under penalty of perjury attesting to the evident fact that this affiant was in possession of goods, services, or money regarding the disputed transaction involving said It is a fact that EQUIFAX AGENTS willful noncompliance to 15 USC 1681 ( e ) whereby EQUIFAX AGENTS have refused to provide proof of investigative consumer reports being done as defined by CONGRESS is a violation by EQUIFAX AGENTS of 15 USC 1692 ( e ) 10 as your affiant has been damaged by EQUIFAXS use of false representation and deceptive means to facilitate debt collection.

It is a fact, that in violation of 15 USC 1681 ( e ) EQUIFAX did create investigative consumer reports based on alleged specific factual information damaging to your affiant on several accounts. 
It is a fact that EQUIFAX AGENTS violation of 18 USC 3663 ( 2 ) is evidence of EQUIFAX AGENTS violation of 18 USC 1346 by EQUIFAX AGENTS involving affiant in a scheme designed to deprive your affiant of honest services.

It is a fact that in violation of 15 USC 1681 a ( q ) ( 3 ), EQUIFAX causing affiant to become a VICTIM of IDENTITY THEFT pursuant to 18 U.S. CODE 3663 ( 2 ) is evidence of EQUIFAX AGENTS violation of 18 USC 1346 by EQUIFAX AGENTS involving affiant in a scheme designed to deprive your affiant of honest services. 
It is a fact that COMPLAINANT, spouse and XXXX children have all become aggrieved party/victims as a result of abusive, deceptive and unfair debt collection practices of EQUIFAX as defined by XXXX USC 1692a after a theft of affiants private identifying information.

COMPLAINANT suffered damage from emotional stress from the personal bankruptcy stemming from EQUIFAX unfair and abusive practices and invasions of privacy as mentioned in 15 USC 1692a. 
COMPLAINANT suffered damage from emotional stress due to the marital instability stemming from EQUIFAX unfair and abusive practices and invasions of this affiants privacy as mentioned in 15 USC 1692a.

COMPLAINANT has suffered emotional stress from personal bankruptcy as the result of the libel and character XXXX made possible because of EQUIFAX AGENTs theft of affiant/victims private information and EQUIFAX use of unfair practices in order to collect debts as mentioned in 15 USC 1692a . 
After two years of gathering information and documentation COMPLAINANT has deduced that Equifax ( a rogue employee ) was directly involved with COMPLAINANT identity theft. This is based on e-mails COMPLAINANT obtained from the identity thief XXXX e-mail account ( which was fraudulently opened under COMPLAINANT name ) and numerous inconsistencies that are found only in COMPLAINANT Equifax credit reports. herefore, in XX/XX/XXXX EQUIFAX willfully and intentionally violated 15 U.S.C. 1611 by failing to act as prescribed by federal statute after receiving notice of a dispute from a consumer. 
Equifax has violated the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, the Privacy Act of XXXX and caused me mental and emotional suffering along with humiliation and commercial damage per the following violations, In violation of Title 15 USC 6802 and the Bank Secrecy Act by XXXX XXXX disclosing my nonpublic personal information to a nonaffiliated third party Equifax has used my private information and reported my bank transaction history and per 15 usc 6805, I opt out of said transaction history being reported.

Equifax willfully and/or negligently violated 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) by failing to conduct a reasonable reinvestigation to determine whether the disputed information was inaccurate or incomplete. 
Equifax willfully and/or negligently violated 15 U. S.C, 1681 i ( a ) ( 4 ) by failing to review and consider all relevant information submitted by COMPLAINANT with respect to disputed information. 
Equifax willfully and/or negligently violated 15 U.S.C. 16811 ( a ) ( 6 ) ( A ) by failing to provide written notice to COMPLAINANT of the results of the reinvestigation that allegedly occurred on XX/XX/XXXX. 
Equifax willfully and/or negligently violated I5 U.S.C. 1681i ( a ) ( 7 ) by failing to provide to COMPLAINANT a description of the procedure used by Equifax on XX/XX/XXXX, to determine the accuracy and completeness of information, including the business name and address of any furnisher of information contacted in connection with such information. 
Equifax willfully and/or negligently violated 15 U.S.C. 1681g ( a ) ( 3 ) ( A ) by failing to clearly and accurately disclose to COMPLAINANT the identification of each person that had procured Plaintiff s consumer report. 
COMPLAINANT as beneficiary to said treaty XXXX XXXX the right to the common law jurisdictions of the original XXXX constitution whereby CONGRESS is responsible for any debt pursuant to ARTICLE ONE SECTION EIGHT OF THE CONSTITUTION as all DEBT OBLIGATIONS are the OBLIGATIONS of the UNITED STATES per TITLE 18 USC 8. 
COMPLAINANT as a free inhabitant is not to be compelled to accept COMPLAINANT 'S XXXX  to be registered as a SECURED COMMODITY subject to Laws of XXXX XXXX. 
COMPLAINANT is domiciled in the Illinois XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX established by the articles of XXXX and later perfected by the addition of the Constitution of the United States from WITHOUT THE UNITED STATES as incorporated under the organic act OF XXXX. 
ADDRESSEES may be HELD HARMLESS FOR CONSPIRACY TO COMMIT FRAUDS, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SECURITIES FRAUD, XXXX, XXXX XXXX XXXXXXXX, IDENTITY THEFT and all applicable TITLE 15 and TITLE 18 VIOLATIONS of the UNITED STATES CODE in VIOLATION of the XXXX ACT, if all CREDIT FILES reported for XXXX XXXX XXXX by EQUIFAX agents are permanently deleted and a one time payment via UNITED STATES XXXX MONEY ORDER of {$75000.00} USD is issued as a religious contribution to XXXX XXXX  XXXX on behalf of XXXX XXXX XXXX. 
Failure of the ADDRESSEES to acquiesce to the terms and conditions of this contract will result in XXXX XXXX XXXX charges that will be enforced with great diligence, holding all addressees personally liable, until ALL parties involved are brought to XXXX. 
Sincerely, XXXX ; XXXX

Company response to consumer: Closed with explanation