Consumer complaint received 2019-03-02
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Dear CFPB Officials : Please, I am urging The CFPB to look into my situation and do something to end this ongoing, unnecessary and unprecedented continous retaliation by this credit bureau or company named : Equifax inc. Equifaxs Retaliation came after I made several reports about this companys violations of many of my rights asserted by applicable law and/or regulations and/or some consumers legal Acts such as but not limited to the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection ( CFPA ) of XXXX with any updates if any. Equifaxs Retaliation against my person is being now a habit for this credit bureau which is unjust, unacceptable and it violates the CFPA and/or FCRA and other laws. 


Equifax to coerce even more than it has been doing and also to cause me more imminent and irreparable damages and losses, a major new Retaliatory adverse actions been subjected on my by Equifax. 


Equifax abuses my information in violations of at least the FCRA and CFPA. 


today XXXX XXXX I received from Equifax Two letters PostMarked same date XX/XX/XXXX and each has different date on it and each one had enlosed an Equifax credit report ( I was restricted unfairly by Equifax to pull my credit reports online due to Equifaxs retaliatory blacklisting against me and I complained to Equifax and to the CFPB about this ongoing issue for many months now ) which I reject and dispute because in fact it is rigged and forged by Equifax and I have clear convincing evidence to prove that. In each of two versions of Equifax credit reports found in the above two EQUIFAX referenced letters, and as shown in the attached files, Equifax added a Fraud Alert on my credit report stating a Fraud Alert was reported in my Equifax credit report ( without explaination, or how it was reported ... etc i emailed Equifax and rejected this fraud alert which was anothet retaliatory adverse action by Equifax against me with malicious intent to harm me in many ways and it is also provocative unlawful act of dishonesty by Equifax Inc. ) on XX/XX/XXXX and expires in 90 days which is different from what was stated by Equifax in one of its letters to me and which I received days before Which was about adding the same fraud as it seemed however this time Equifax made its own will to make it one year and in both cases I also had no knowledge of these fraud alerts or fraud alert by Equifax and it is another EQUIFAXs retaliatory adverse action against me in violation of applicable laws such as but not limited to FCRA and CFPA. 



I am not sure why this is been done by Equifax to cause me harms of different types? 

It is my understanding Equifaxs big role against me, by all its confusing and conflicting Handling of my information, its invasion of y privacy, its blacklisting and ignoring even my clear dispute of XXXX collection of shame and with proofs I submitted them to Equifax ( XXXX has my auto pay authorized it to XXXX  and it uses it always and since neither I or my bank never unauthorized XXXX to use that same auto pay and charge legitimate charges, why would a collection exist??? .. 
Not only Equifax canceled my credit monitoring service without my knowledge neither my consent, and lied stating that I switched to the Equifaxs offer of an XXXX monitoring service .it canceled my monitoring service and it assumes full legal consequences of anything to impact me negatively and I noticed legally via email Equifax about my rejection to that retaliatory cancellation of that service to cause me imminent harms. 

My previous complaint important information is showing received by CFPB and it was not sent to EQUIFAX. I hope this is it for role of law to intervene and sanction Equifax for its violations against a citizen who will not give up his rights and between I and Equifax soon probably public opinion and courts of law. 


I have a basic XXXX service that I had for long time now and another paid by my health insurance XXXX monitoring service ( XXXX XXXXe ). I never switched to the XXXX  monitoring service paid and offered by Equifax which is the opposite of that saying alleged by Equifax who lied. Canceling trustedid monitoring service inconvenienced me a lot and it was unfairly taken away from me by Equifax in a retaliatory manner only SEEN IN DICTATORSHIP COUNTRIES!!!! 

I had too much harms from Equifax and The CFPB must intervene or to Whom I should Complain and seek protection from EQUIFAXs Retaliation? 

Is Equifax makes its own seemed laws that are forced and unheard of in any democracy? 

I reserve all my rights, including seeking public help using my constitutional freedom of speech right and/or any of my rights that I still have And they are not taken away unlawfuly yet by Equifax. 


I have hundreds of my files of records with Equifax to prove the facts I stated Herein. 

All stated herein is to the state of my current belief, knowledge and understanding and subject to anything or any correction by I, XXXX XXXX, only at any time without waiving my rights under any circumstances. 




I will fully cooperate and to my ability with any investigation about EQUIFAXs Violations. 

Thank you, XXXX XXXX An Equifaxs Victim  Today Saturday XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief