Consumer complaint received 2022-12-04
Company: Factor Trust
State: TN
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:
XXXX XXXX  used discriminatory practices against me by denying me extension of my own credit. XXXX XXXX was informed via email that it's unlawful to deny someone extension of their credit and that the Equal Credit Opportunity Act prohibits discrimination in denying the original creditor known also known as the consumer their own credit. Employees of XXXX XXXX monetized by securitizing the the application. 

i as the original creditor that gave life to XXXX XXXX XXXX have a security interest in that application which was monetized because I'm the card holder/beneficiary of the social security card , name and account number therefore i have an interest to receive all incentives and derivatives which arises from the compelled use of the social security number. Employees at XXXX XXXX failed to perform their duties to provide me with my goods and services. 

XXXX XXXX created the XXXX in this matter therefore i am invoking the Americans with XXXX XXXX in which I have remedy under regarding discrimination. The Americans with XXXX XXXX defines a XXXX as a physical or mental impairment or a physiological condition that substantially limits XXXX or more major life activities. Getting denied extensions of your own credit by financial institutions interferes with and substantially limits thinking, breathing, communicating, interacting with others, caring for oneself, etc. This is major problem. Title XXXX of the Americans with XXXX XXXX strips immunity concerning A-D-A claims. Therefore XXXX XXXX is without immunity concerning such matters. 

XXXX XXXX use all prohibited acts which can be found in 42 U.S.C 12203 ( b ) : it shall be unlawful to coerce, intimidate, threaten, or interfere with any individual in the exercise or enjoyment of any right granted or protected by the Americans with XXXX XXXX. Their creating the XXXX of substantially limiting major life activities and then their using that XXXX against me in discriminatory way to exclude me from equal access to the services of provided by Congress under the Equal Credit Opportunity Act. XXXX XXXX has unlimited funds, i don't and their not offering me unlimited funds that they have access to through peoples birth certificate and social financial instruments. Yet who got access to my funds from those security financial instruments when i was known as being a minor is my question and concern as well. 



Pursuant to 15 usc 1691-scope of prohibition ( 3 ) it shall be unlawful for any creditor to discriminate against any applicant with respect to any aspect of a credit transaction ( 1 ) on the basis of race, color, religion, national origin, sex or marital status, or age ( provided the applicant has the capacity to contract ) ; ( 2 ) because all or part of the applicant 's income derives from any public assistance program ; or ( 3 ) because the applicants in good faith exercised any right under this chapter. 

XXXX XXXX did not provide the opt out disclosure for the original creditor/consumer not to have any information reported to the consumer reporting agencies who are Nonaffliated third party pursuant to 15 usc 6803 which violated XXXX XXXX. Employees of XXXX XXXX refused to admit that the application did in fact generate profit which is extortion. Congress says that credit is the right granted, this means a denial is discriminating against the original creditor/consumer.

Under the credit reporting act 15 usc 1681a definition section ( f ) The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. Monetary fees are payments.

That application is the check which was endorsed by the consumer electronically therefore XXXX XXXX securitized as a federal reserve note and sold it on the sock market and it's currently traveling around the world to different investors. 

The financial institutions and the consumer reporting agencies are conspiring against any Man and/or Woman ( the creation of the Creator ) to extort that Man or Woman out of an extension of credit. When Financial Institutions pay to report information that constitutes a breach of fiduciary duty. This means that Congress is well aware that a system was built to access credit and that these financial institutions found a way to trick Men and Women into paying them every month. 

There's no such thing as late payments and I have no contract with any of these consumer reporting agencies to furnish non-public information on or about me which is identity theft. I did not grant a non-affiliate third party to furnish any personal consumer transaction regarding the legal fiction all capital name which is a corporation created by Social Security Administration pursuant to 15 U.S.C. 1681b ( a ) ( 2 ) - any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.

Company response to consumer: Closed with explanation