Consumer complaint received 2022-04-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX account # XXXX and XXXX account # XXXX FRAUDULENT ACCOUNTS! 

Notice to agent is notice to principle - Notice to principle is Notice to Agent. 

PARTS OF A CONTRACT : 1.Parties Competent to Contract : the parties to contract should be competent being of age of consent of sound mind, not disqualified from contracting by any law to which he or she is subject. Every person is competent to contract who is of the age of majority according to the law to which he is subject, and who is of sound mind, and is not disqualified from contracting by any law to which he is subject. 
2. Free and Genuine Consent : the consent of the parties to the agreement must be free and genuine the consent of the party should not be obtained by misrepresentation fraud undue influence coercion or mistake if the consent is obtained by any of these means then the contract is not valid or legally enforceable, void. In order for consent to be present, a party should not be influenced by outside forces. These circumstances will eliminate consent in a contract duress and fraud. A contract can not be valid or legally binding unless consent is given. Consent, essentially, occurs when two parties mutually agree to form a contract with each other. Consent can not be given under pressure. If one or both parties provided their consent under duress, the contract will not be legal. If there is undue influence or duress, it is presumed that it is not possible for the parties to have freely given their consent. 
3. Full Disclosure : negotiating a contract full disclosure is the step of providing all material information or telling the whole truth about any matter which the whole truth about any matter which may influence the decision maker of the party or parties before they decide to enter into a contract if either parties fails to make full disclosure the contract is null and void. 1 ) The need in certain situations ( such as real estate transactions ) for both parties to tell the whole truth about all information relevant to the transaction. 2 ) Securities and Exchange Commission rule that a publicly traded company must release its financial statements and other important information relating to the company 's business. The federal Truth-in-Lending Act - or TILA for short requires that borrowers receive written disclosures about important terms of credit before they are legally bound to pay the loan. Violations of TILA and Fraud. 

4. Valuable Consideration : the consideration is something of value possessed by the parties that is brought to the contract table. This something of value is bargained for and given in exchange for a promise or a performance the parties must each receive a benefit and each suffer a detriment. To be enforceable a contract must be enforceable if it has insufficient or unequal consideration without an agreement contract is void. 
5. Certainty of Terms : the terms and conditions of the contract must be fully disclosed and agreed upon and must be certain and fixed any subsequent variation of the terms must be agreed upon. 
6. Meeting of the Minds : a consensus item occurs between the parties when they recognize each other understand their mutual obligations and agree a meeting of the minds occurs living men and women in lawful matters under common law jurisdiction and between legal fiction actors in legal matters admiralty maritime contract must be either lawful or legal if one party to a contract makes a signature as a accommodation party to a legal fiction person while the other party makes an autograph for living man or woman the parties are of unequal kinds and the contract is null and void. 
7. Autographs or Signatures : lawful written contracts between living men and women must carry the wedding to autographs of the parties comprising living identification such as a thumbprint but more often living standing is recognized by an ambiguous declaration with the hand-written wet ink autograph including including the prefix by and or the words all rights reserved or without prejudice written below legal written contracts between legal fiction actors must carry the wedding signatures of the parties as an accommodation from a man or a woman. 
8. Privity of contract : a contract that exists only between the parties no third party can enforce or obtain rights contained within a contract or buy or sell a contract without the express permission of the original parties. 

Failure to properly respond and continue with collections activities will be followed up with my lawsuit. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Without Prejudice, XXXX. XXXX, XXXX, XXXX Executrix of the Estate XXXX XXXX Representative, Attorney-In-Fact in behalf of XXXX XXXX, XXXX XXXX. 
Secured Party Creditor

Company response to consumer: Closed with explanation