Consumer complaint received 2022-03-16
Company: EQUIFAX, INC.
State: PA
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:
Title 12 U.S.C 83 banks cant actually loan money.

Title 12 U.S.C 1431 the role of the banks is not to extend credit, nor loans Title 18 U.S.C 241- Conspiracy against rights Title 42 U.S.C 1985- Conspiracy to interfere with civil rights Title 18 U.S.C 242- Deprivation of rights under color of law Title 42 U.S.C 1983- Civil action for deprivation of right UCC 3-307. NOTICE OF BREACH OF FIDUCIARY DUTY Fiduciary : Means an agent, trustee, partner corporate officer or director, or representative owing a fiduciary duty with respect to an instrument.

While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : XX/XX/XXXX, XXXXEQUIFAX CONSUMER SERVICESXXXX XXXXXXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  Soft Inquiry XX/XX/XXXX XXXX XXXXXXXX Report XX/XX/XXXXXXXX XXXX XXXXXXXX Soft Inquiry XX/XX/XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EQUIFAX XXXX XXXX XXXX XXXX  XX/XX/XXXX EQUIFAX XXXX XXXX XXXX XXXX  XX/XX/XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX ID Report XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Inquiry XX/XX/XXXX XXXX XXXXXXXX ID Report XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX Soft Inquiry INQUIRY REMOVAL LETTER XXXX XXXX, XXXX XXXX  XXXX Soft Inquiry XX/XX/XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX, VA XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX, MD XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, I did not give you ( Credit Reporting Agency ) permission to furnish this this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. I also demand you, Equifax ( Credit Reporting Agency ) to produce a contract between you and I, consumer, bearing my signature showing that I gave you permission to furnish any information on my behalf. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number, XXXX Please note that you have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611.

I have further come to realize that a name in all capital letters is either an acronym or the name of a TRUST. Being that your corporation demanded the number associated with the trust known as XXXX XXXX XXXX, this is a TRUST ACTION and you are a trustee of said trust. The action described above would be cesti que TRUST FRAUD.

HJR-192 superseded Public Law ( that which passes as law today is only color of law ), replacing it with public policy. This eliminated our ability to PAY our debts, allowing only for their DISCHARGE. When we use any commercial paper ( checks, drafts, warrants, federal reserve notes, etc. ), and accept it as money, we simply pass the unpaid debt attached to the paper on to others, by way of our purchases and transactions. This unpaid debt, under public policy, now carries a public liability for its collection. In other words, all debt is now public.

FRN 's WORTHLESS The Federal Reserve Bank in its booklet ; MODERN MONEY MECHANICS page 3, states ; In the United States neither paper currency nor deposits have as commodities. Intrinsically, a dollar bill is just a piece of paper, deposits merely book entries. The giving a ( federal reserve ) note does not constitute payment. XXXX XXXX v XXXX XXXX, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation