Consumer complaint received 2018-05-09
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Please note that since my last submissions to the CFPB the following issues below have occurred and are documented via letters below sent to XXXX and Equifaxs drastic lowering of my credit score by 75 points after the XX/XX/XXXX letter was sent to XXXX. Based on the current issues, I would request that the CFPB initiate a fine to both XXXX and Equifax in the amount of XXXX XXXX ( {>= $1,000,000} ) dollars each. Both XXXX and Equifax have acted with similar intent as XXXX XXXX ( {>= $1,000,000} implemented by the CFPB ) which created violations of laws, rule and regulations that were illegal, unethical, or not correct within an organization actions. There appears to be activities within the financial community that are based on greed vs. ethics, laws, rules and regulations. Further, I consider this complaint to be protected under the Whistleblower Protection Act as the conduct on behalf of XXXX and Equifax is illegal, unethical, or not correct within an organization. Lastly, I have been included in the Equifax data breach based on my continual efforts to dispute the XXXX matter. I have occurred damages in insurance premiums being doubled, lose of a home loan and other credit issues. 

XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, OH XXXX Attn : XXXX   XXXX Re : XXXX XXXX account ending in : XXXX XX/XX/XXXX I have received a letter/package from you asking for payment for a FRAUDULENT account and if I am telling you to stop reporting it as disputed. The attached letter to XXXX XXXX  XXXX, XXXX, adequately explains my position on this matter. Further, XXXX will not show or report your fraudulent claim and since notifying XXXX XXXX XXXX, XXXX, XXXX  has increased by credit score by over 58 points and Equifax over 75 points at one time. Based on the above, I believe you will not be able to provide evidence to the court ( s ) that would relieve your liability for FRAUD, EXTORTION, BULLYING and most likely HARASSMENT. 

Based on your previous actions, asking you to stop reporting it as disputed, would be a wasted effort, as damages have already occurred. 

Best regards : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX. 
XXXX, MA XXXX XXXX : Your File No.XXXX  XX/XX/XXXX Please be advised that since my last communication with your office on XX/XX/XXXX ( see below in RED ), I have requested an investigation into extortion against XXXX through the Consumer Financial Protection Bureau ( CFPB ). Currently the CFPB has closed the case and referred it to the Federal Trade Commission for federal and state law enforcement action. I am still awaiting the results of law enforcements investigation, however I still have time under the statue of limitations to file a civil complaint. I still maintain an address in Florida, however that address is not listed on any of the statements or consumer agreement pamphlet in the recent package received on XX/XX/XXXX. On some of the statements the address is XXXX, XXXX XXXX XXXX, XXXX XXXX TX, XXXX, this should be sufficient evidence of a fraudulent issue. Please note the information package recently received was requested in the CFPB complaint with both Equifax and XXXX   filed around 6 months ago. In addition to my request for an extortion investigation, I made a request under the Fair Credit Reporting Act ( FCRA ) for an executed contract between XXXX and myself. That was never provided in my earlier requests, and in the recent package sent I only see statements and a consumer agreement pamphlet, not executed anywhere. Why was this information sent to me now via your company, verses complying with the Equifax and XXXX   complaint to the CFPB? Further, XXXX  stated the request for an executed application/agreement was not specific, however XXXX is now attempting to comply with the request in the CFPB complaint, with non-executed information and fraudulent statements. 

I consider your continual collection activities conspiring with XXXX on this matter and if you conspire and drive the robbers to the bank, the only difference is the amount of time in prison. 

XX/XX/XXXX Please be advised that the above file No. XXXX and account with XXXX XXXX  is on its third dispute with the Credit Reporting Agencies ( currently XXXX ). Based on the dispute and the fraud alerts on all three ( 3 ) Credit Reporting Agencies, your current collection activities are in violation of the FCRA. 

Failure of XXXX XXXX to remove this account from my credit file will be addressed with the FCRA. 

Best regards : XXXX XXXX Past CFPB complaint ID : Equifax/XXXX XXXX XXXX/XXXX XXXX

Company response to consumer: Closed with explanation