Consumer complaint received 2021-11-11
Company: EQUIFAX, INC.
State: CA
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:
1681. Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon FAIR and ACCURATE credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An ELABORATE MECHANISIM has been DEVELOPED for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have ASSUMED a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) THERE IS A NEED TO INSURE that consumer reporting agencies exercise their GRAVE RESPONSIBILITIES with fairness, impartiality, and a RESPECT for the CONSUMERS RIGHT TO PRIVACY. 

**History of TransunionCompany Description : XXXX is ONE of the THREE leading consumer credit reporting agencies ( the others being XXXX and Equifax ) that " lenders '' use to help determine a " borrower 's '' " creditworthiness ''. The company MAINTAINS CREDIT HISTORIES of nearly a BILLION people in more than 30 countries, which XXXX PROVIDES to clients like banks, credit unions, finance companies, auto lenders, mortgage lenders, online-only lenders ( XXXX ), and other CONSUMER " lenders '' in the United States XXXX XXXX went public in 2015. 

For the record, I have NEVER entered into a contract with XXXX where they were granted authorization to obtain, furnish, report or sell ANY of MY PERSONAL CONSUMER INFORMATION. 
This is a blatant CONSPIRACY against unsuspecting consumers by trading and selling consumer information " WORLD WIDE ''. 
I demand a full file disclosure in accordance with 15 USC 1681g and all other documentary evidence in accordance with 15 U.S.C. 44.

Documentary evidence includes all documents, papers, correspondence, books of account, and financial and corporate records. 


I have filed disputes with this company before in regards to false and fraudulent personal consumer information being furnished and the company has conducted poor reviews and failed to thoroughly investigate the information being furnished and reported. 

In a world of commerce where CONSUMER information is being illegally obtained and sold through " behind the scenes '' agreements and contracts with other CORPORATIONS without consumer authorization is to say the very least CONCERNING. 

Due to the companies lack of integrity and blatant disrespect to THE CONSUMERS RIGHT TO PRIVACY, I have been denied my RIGHT to utilize MY OWN CREDIT with other financial institutions and therefore has caused economical disadvantage, has limited almost completely my GOD GIVEN BIRTH RIGHT TO THE CONSTITUTIONAL pursuit of freedom and happiness. It is an INALIENABLE RIGHT granted to me by the most high of our creator, whoever that may be. 
**INALIENABLE MEANS -adjective the inalienable rights of every citizen : inviolable, absolute, sacrosanct, unchallengeable, unassailable ; untransferable, nontransferable, nonnegotiable ; inherent; Lawimprescriptible, indefeasible. 

**PLEASE NOTE** The Department of Justice has XXXX an extended worldwide effort and focus into the CRIMINAL PROSECUTIONS for CORPORATE CRIME and I will not stop reporting and filing criminal complaints with every government agency avaliable until my Personal information is corrected and I am properly compensated. 

Again, I have never entered into a contract with XXXX. 
They do not have a wet signature autograph on any type of negotiable instrument **I demand the company remove any and all " Negative '' information/delinquent/collections/promotional inquiries, remarks as well as contact the other remaining " CREDIT AGENCIES '' to correct the status of my INTELLECTUAL PROPERTY being criminally used without my consent. 

Due to the poor ethics and intentional deception, I am also demanding to be compensated for my INTELLECTUAL PROPERTY/INFORMATION BEING SOLD WITHOUT MY AUTHORIZATION.

**CAPITAL GAIN HAS BEEN for MANY years been " accrued '' without properly CREDITING the ONE TRUE BENEFICIARY who is just but ONE of the companies billions of sources of CORPORATE GAIN. 

**I have filed an Identity theft report with the Federal Trade Commission and have also filed ANOTHER dispute with XXXX via their website. 
I have faith that XXXX will act in lawful accordance to comply with THESE CONSUMER DEMANDS and MY RIGHT TO CIVIL LIABILITY in regards to FINANCIAL CRIMINAL ACTIONS/VIOLATIONS OF THE FAIR CREDIT REPORTING ACT being practiced at the expense of the CONSUMER.

Company response to consumer: Closed with explanation