Consumer complaint received 2022-02-14
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Affidavit of truth : XXXX XXXX XXXX Statement of facts Pursuant to 15 USC 1681a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' Should be excluded from a consumer report. The definition of a credit card under 15 us 1681 is the same as it is under 15 uSg 1602 ( 1 ) which is " the term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit '' congress said ANY card. The credit card used in this credit transaction was my social security number which is connected to my private treasury bond that allowed this finance charge to be possible. This is the credit card I used to originate every consumer credit transaction below. NO BANK LOANED ME ANYTHING DURING THIS CREDIT TRANSACTION ALL PAYMENT HISTORY AND TRANSACTIONS SHALL all be EXLCUDED from My consumer report pursuant to 15 us 1681a ( 2 ) ( B ). I am demanding that you delete these UNAUTHORIZED Transactions from my CONSUMER REPORT immediately as they are a violation of my rights as a federally Protected consumer under title 15 chapter 41. You guys have unauthorized use of consumer transaction and also refused to disclose to an consumer their information on file and its history TOLD ME THEY DONT FALL UNDER GUIDELINES OF CFPB. YOU UNLAWFULLY USED AN ATTORNEY COLLECTION AGENCY TO COLLECT DEBT FROM AN. CONSUMER! 

Pursuant to 15 USC 1681 ( a ) ( 2 ) congress made it clear that you are an elaborate mechanism with no real standing, or authority. Pursuant to 15 USC 1681 ( a ) ( 3 ) You were not given this role. You assumed this vital role, and because of your assumption you have negatively affected my life, and those around me causing me severe hardship, mental stress, and XXXX. I have been unable to live fairly because of you assuming this role, Pursuant to 15 USC 1681 ( a ) 4 ) You were unfair in reporting this erroneous information without First consulting with me the consumer. You also infringed upon my right to privacy by having a conversation about me with a third party, and reporting this information as result of that third party without my written consent to assume this obligation. XXXX XXXX FAILED TO REBUTTAL MY AFFIDAVIT WITH ALL OBLIGATIONS DENIED IN AFFIDAVIT FORM, THERE FOR JUDGMENT SHALL BE HELD IN FAVOR OF THE CONSUMER. THEY FAILED TO SEND ME XXXX ORIGINAL CONTRACT THAT THEY CLAIM THE NAME OF THE PERSON OR COMPANY WHO THEY SENT TO MY PRIVATE LOCATION WITHOUT CONSENT TO REPOSSESS MY VEHICLE I OWNED FROM A FINANCE CHARGE IN A CREDIT TRANSACTION. THIS WHOLE CONTRACT IS NULL AND VOID DUE TO NO EVIDENCE OF AN ALLEGED AGREEMENT THAT WAS REACHED. Pursuant to federal law finance charge is defined as ( b ) FINANCE CHARGE With respect to any sales transaction, any discount from the regular price offered by the seller for the purpose of inducing payment by cash, checks, or other means not involving the use of an open-end credit plan or a credit card shall not constitute a finance charge as determined under section 1605 of this title if such discount is offered to all prospective buyers and its availability is disclosed clearly and conspicuously Persuant to 1666f. 15 U.S. Code 1666d Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on an account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall- ( A ) credit the amount of the credit balance to the consumer 's account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than XXXX months. 
THEREFOR ALL TRANSACTIONS SHALL BE RETURNED BACK TO ME 15 U.S. Code 8 1666b - Timing of payments ( a ) TIME TO MAKE PAYMENTS A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer ALL OF THIS HISTORY SHALL.BE REMOVED .AS A INFRINGEMENT UPON MY CONSUMER PRIVACY RIGHTS 15 U.S. Code 1666a - Regulation of credit reports ( a ) REPORTS BY CREDITOR ON OBLIGOR 's FAILURE TO PAY AMOUNT REGARDED AS BILLING ERROR After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay ( d ) RESTRICTING OR CLOSING BY CREDITOR OF ACCOUNT REGARDED BY OBLIGOR TO CONTAIN A BILLING ERROR Pursuant to regulations of the Bureau , a creditor operating an open end consumer credit plan may not, prior to the sending of the written explanation or clarification required under paragraph ( B ) ( ii ), restrict or close an account with respect to which the obligor has indicated pursuant to subsection ( a ) that he believes such account to contain a billing error solely because of the obligor 's failure to pay the amount indicated to be in error. 

( b ) BILLING ERROR For the purpose of this section, a " billing error '' consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor.. Your company has failed to report fair and accurate information all 3 credit agencies have different information about this one account if its an closed by IRS LAW 1099c form shall be
made to prove profit of loss and no collections shall be made further more!

I am demanding that this information be deleted soon as possible. This information is not accurate, nor is it relevant to me. Nor was this False information properly utilized in a manner that is or was equitable to me. This information is not accurate and I didnt consent to it being furnished INDIVIDUAL ACTIONS - 15 USC 1691a1-3 1591b1-5 .. NOTICE TO CURE : I DEMAND AN INVOICE FOR REMEDY .. NOTICE OF INVOICE : {$50000.00} By PAPER CHECK : NOTICE OF CEASE AND DESIST

Company response to consumer: Closed with explanation