Consumer complaint received 2022-01-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX



EQUIFAX 
XXXX XXXX XXXX XXXX, GA XXXX

EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH, XXXX 

CFPB Consumer Federal Protection Bureau

EQUIFAX REPORT  


Notice it is a fact, that I am a federally protected consumer, pursuant to 15 U.S Code  7006 holder in due course, attorney in fact for any and all derivatives thereof for the surname I have been appointed and accept being the executor for all matters proceeding, and I hereby claim that I will autograph for my given name (XXXX XXXX and as the agent and administrator in fact. 
Notice it is a fact, that I am a federally protected consumer, debtor, and holder in due course pursuant UCC 3-306.
Fact, EQUIFAX, is a for-profit company.
Fact, affiant is aware EQUIFAX is a consumer reporting agency pursuant to 15 U.S. Code  1681 a(f) due to their business practices of collecting monetary fees, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. 
Fact, affiant is aware a consumer reporting agency needs written instructions by I, the consumer to furnish a consumer report.  Without written instruction this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report.  By definition EQUIFAX has committed identity theft.  This is a violation of 15 U.S. Code  1681b(a)(2). 

Fact, affiant is aware that pursuant to 15 U.S. Code   1681e(a) maintain reasonable procedures designed to avoid violations under section 1681c which includes violations of permissible purposes, and affiant is aware, no consumer reporting agency can furnish a consumer report to any person without following all the purposes listed in section 1681b of this title 15.

Fact affiant is aware pursuant to 15 U.S. Code  1681g I, the consumer have the right to request a full file disclosure about the information within my consumer file which includes the sources of the information was used to verify the information before it was procured onto the consumer report.  This includes the dates, original payees, and amounts of any checks, identification of each person (including the end-users identified under section 1681e(e)(1) of title 15 that procured my consumer report, including their address and telephone numbers of the persons, a record of all inquiries received by the agency during the 1year period preceding my request in connection with the credit or insurance transactions not initiated by me, the consumer.  If any of the following accounts do not have the sources of information available, they must be removed.  The following accounts and inquiries require verification or they mut be removed:


1)XXXX XXXX XXXX XXXX
Report date: XXXX XXXX XXXX
Date opened
XXXX
Date reported
XXXX

2)XXXX XXXX XXXX XXXX XXXX
Report date: XXXX XXXX XXXX
Date opened
XXXX
Date reported
XXXX





3)XXXX XXXX XXXX  Report date: XXXX XXXX XXXX
Date opened
XXXX
Date reported XXXX


4)SXXXX XXXX
Report date: XXXX XXXX XXXX
Date opened
XXXX
Date reported
XXXX

5)XXXX XXXX
Report date: XXXX XXXX XXXX
Date opened
XXXX
Date reported
XXXX

6)XXXX XXXX XXXX XXXX
Report date: JXXXX XXXX XXXX

Date opened
XXXX
Date reported
XXXX

PERSONAL INFORMATION:

Previous address
XXXX XXXX XXXX XXXX, TX XXXX

Previous address
XXXX XXXX XXXX XXXX, TX XXXX  
Previous address
XXXX XXXX XXXX XXXX XXXX, CO XXXX

Previous address
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX  
Previous address
XXXX XXXX XXXX XXXX XXXX, TX XXXX
Previous address
XXXX XXXX XXXX XXXX XXXX, GA XXXX

INQUIRIES:
EQUIFAX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX
Date of inquiry
XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Date of inquiry
XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Date of inquiry
XXXX
XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX
Date of inquiry
XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX  Date of inquiry
XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Date of inquiry
XXXX
XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX
Date of inquiry
XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX
Date of inquiry
XXXX  EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Date of inquiry
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Date of inquiry
XXXX
EQUIFAXXXXX XXXX XXXX XXXX XXXX, GA XXXX  Date of inquiry
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Date of inquiry XXXX
XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX  Date of inquiry
XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX
Date of inquiry
XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Date of inquiry
XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Date of inquiry
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX
Date of inquiry
XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX
Date of inquiry
XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX  Date of inquiry
XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Date of inquiry
XXXX
CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Date of inquiry
XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Date of inquiry
XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX  Date of inquiry
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX  Date of inquiry
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX  Date of inquiry
XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Date of inquiry
XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Date of inquiry
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Date of inquiry
XXXX
XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX  Date of inquiry
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX  Date of inquiry
XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX
Date of inquiry
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX  Date of inquiry
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Date of inquiry
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX  Date of inquiry
XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX
Date of inquiry
1XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX  Date of inquiry
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX  Date of inquiry
1XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX  Date of inquiry
XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX  Date of inquiry
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX  Date of inquiry
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Date of inquiry
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX
Date of inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX  Date of inquiry
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
Date of inquiry
XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX
Date of inquiry
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Date of inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Date of inquiry
XXXX
XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX  Date of inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX
Date of inquiry
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Date of inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Date of inquiry
1XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX  Date of inquiry
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX  Date of inquiry
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX
Date of inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX  Date of inquiry
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Date of inquiry
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX
Date of inquiry
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX
Date of inquiry
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
Date of inquiry
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX
Date of inquiry
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX  Date of inquiry
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX
Date of inquiry
1XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Date of inquiry
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Date of inquiry
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX  Date of inquiry
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX
Date of inquiry
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX  Date of inquiry
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Date of inquiry
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Date of inquiry
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Date of inquiry
1XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX  Date of inquiry
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Date of inquiry
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Date of inquiry
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX  Date of inquiry
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX  Date of inquiry
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX  Date of inquiry
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Date of inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX  Date of inquiry
0XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX
Date of inquiry
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Date of inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX  Date of inquiry
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX
Date of inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Date of inquiry
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Date of inquiry
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX
Date of inquiry
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX
Date of inquiry
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Date of inquiry
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX  Date of inquiry
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX  Date of inquiry
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
Date of inquiry
XXXX  EQUIFAX
XXXX XXXX XXXX XXXX, GA XXXX
Date of inquiry
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX
Date of inquiry
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX  Date of inquiry
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX  Date of inquiry
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX
Date of inquiry
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX  Date of inquiry
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX
Date of inquiry
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Date of inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX
Date of inquiry XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX
Date of inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX  Date of inquiry
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Date of inquiry
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Date of inquiry
XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX
Date of inquiry
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Date of inquiry
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Date of inquiry
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Date of inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX  Date of inquiry
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX  Date of inquiry
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Date of inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Date of inquiry
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX
Date of inquiry XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX  Date of inquiry
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA 22180
Date of inquiry
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Date of inquiry
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA 2XXXX  Date of inquiry
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX  Date of inquiry
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Date of inquiry
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX  Date of inquiry
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA 9XXXX  Date of inquiry
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX
Date of inquiry
0XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX  Date of inquiry
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Date of inquiry
0XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Date of inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Date of inquiry
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX
Date of inquiry
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX
Date of inquiry
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Date of inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX  Date of inquiry
0XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Date of inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Date of inquiry
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX  Date of inquiry XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX
Date of inquiry
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX
Date of inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Date of inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX
Date of inquiry
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX
Date of inquiry
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Date of inquiry
XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX
Date of inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX  Date of inquiry
XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX
Date of inquiry
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX
Date of inquiry
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX  Date of inquiry
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX  Date of inquiry
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX  Date of inquiry
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Date of inquiry
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX  Date of inquiry
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX  Date of inquiry
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX  Date of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Date of inquiry
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX  Date of inquiry
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX
Date of inquiry
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX  Date of inquiry
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX
Date of inquiry
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX
Date of inquiry
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX  Date of inquiry
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Date of inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Date of inquiry XXXX
You have 15 days from the date of delivery to respond to this notice. Should there be dishonor in the aforementioned requested documentation by way of unrebutted affidavit, failure to disclose requested documents, or failure of response and the particular requests to rectify any fault by XXXX XXXX a XXXX XXXX herein, will serve as acquiescence and your agreement to a default judgment against your company for the dishonor in the negotiable instrument, bank fraud, creation of the false and deceptive form, mishandling of goods, compromising my relationship with other financial institutions and including stress caused to me in the attempt of exercising my rights in good faith. However, I do in good faith expect you to handle these matters with ordinary care to address all subject matter. Respectfully


                                                      XXXX

Whereas, I of age, of majority, give this herein notice to all, I make a solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it nunc pro tunc. zx
 I swear that all information provided herein and do so under penalty of perjury that the information is true, correct and accurate to the best of my ability and knowledge, so be it. XXXX XXXX, consumer/natural person



Mailed copies will be notarized

Company response to consumer: Closed with explanation