Consumer complaint received 2021-08-17
Company: EQUIFAX, INC.
State: FL
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:
AFFIDAVIT OF TRUTH I, XXXX XXXX, a consumer a natural person of age and competent to testify, state as follows based on my own personal knowledge : I, XXXX XXXX XXXX a consumer, a natural person pursuant to federal law 15 USC 1692a ( 3 ).

( 3 ) The term consumer means any natural person obligated or allegedly obligated to pay any debt. 

I, XXXX XXXX XXXX a consumer, a natural person the ORIGINATOR The ( Original Creditor ) pursuant to federal law 15 USC 1692a ( 4 ).

( 4 ) The term creditor means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another. 
I, XXXX XXXX XXXX a consumer a natural person The Originator ( Original Creditor ) is providing you my written consumer report pursuant to Federal law 15 USC 1681a ( d ) ( 1 ) ( d ) CONSUMER REPORT.

( 1 ) IN GENERAL.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for As a consumer, a natural person I have the right to privacy pursuant to federal law 15 USC 1681 ( a ) ( 4 ).

( 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 mechanism 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.

Pursuant to 15 USC 1681b ( e ) ( 1 ) ( e ) ELECTION OF CONSUMER TO BE EXCLUDED FROM LISTS ( 1 ) IN GENERAL A consumer may elect to have the consumers name and address excluded from any list provided by a consumer reporting agency under subsection ( c ) ( 1 ) ( B ) in connection with a credit or insurance transaction that is not initiated by the consumer, by notifying the agency in accordance with paragraph ( 2 ) that the consumer does not consent to any use of a consumer report relating to the consumer in connection with any credit or insurance transaction that is not initiated by the consumer.

I am demanding each account listed below removed or delete from my consumer report pursuant to Pursuant to 15 USC 1681b ( a ) ( 2 ) ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
XXXX XXXX XXXX a consumer a natural person did NOT consent to or give express written permission to furnish these accounts on my consumer report. Please provide proof of consumer express written consent forms for accounts list below. 

I am demanding deletion of entire accounts listed below : 1. XXXXXXXX XXXX XXXX- Remove or delete this account from my consumer report. 
2. XXXX XXXX- Remove or delete this account from my consumer report. 
3. XXXX XXXX XXXX Remove or delete this account from my consumer report. 
4. DEPT OF ED/XXXX- Remove or delete this account from my consumer report. 
5. XXXX Remove or delete this account from my consumer report. 
6. US DEPARTMENT OF ED- Remove or delete this account from my consumer report 7. XXXX XXXX XXXX Remove or delete this account from my consumer report 8. XXXX- Remove or delete this account from my consumer report 9. XXXX XXXX  XXXX Remove or delete this account from my consumer report I, XXXX XXXX XXXX a natural person is requesting an investigative consumer report and if you investigated it please provide documentary evidence of who you interviewed and if you interviewed them it should NOT include facts pursuant to federal law 15 USC 1681a ( e ) ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

Under Penalty of Perjury consumer was NOT provided with documentary evidence or material facts regarding questions below required by Fair Debt Collection Practice Act ( FDCPA ) Law.

1. Consumer was NOT provided a furnish a copy of the original promissory note redacting my social security number to prevent identify theft and state under penalty of perjury that your client named above is the holder in due course of the promissory note and will produce the original for my own and a judges inspection should there be a trial to contest these matters.

2. Consumer was NOT provided the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect.

3. Consumer was NOT provided ANY identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt.

4. Consumer was NOT provided ANY verify under penalty of perjury, that as a debt collector, you have not purchased evidence of debt and are proceeding with collection activity in the name of the original maker of the note.

5. Consumer was NOT provided ANY verify under penalty of perjury that you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity.

6. Consumer was NOT provided ANY verify under penalty of perjury that you know and understand that credit card contracts are a series of continuing offers to contract and as such are nontransferable.

7. Consumer was NOT provided ANY verification from the stated creditor that you are authorized to act for them.

Under Penalty and Perjury Consumer was NOT provided ANY Documentary Evidence or Material Facts from these corporations below.

1. Consumer is NOT in receipt of any document which verifies that corporations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED/XXXX XXXX US DEPARTMENT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX have standing to collet any money allegedly owed in Florida.

2. Consumer is NOT in receipt of any document which verifies that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX US DEPARTMENT OF ED XXXX XXXX XXXX XXXX XXXX XXXX  XXXX has standing to collect any money that they claim I owe in the state of FLORIDA court by virtue of being duly registered as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX US DEPARTMENT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX meeting the minimum contacts requirements for in personam jurisdiction in Florida. 

3. Consumer is NOT in receipt of any document which verifies that I have a contract with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED/XXXX XXXX US DEPARTMENT OF ED XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 4. Consumer is NOT in receipt of any document which verifies that I owe money to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX US DEPARTMENT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX 5. As a result of the harassment by these corporations. 
I have been damaged financially, socially, and emotionally.

Company response to consumer: Closed with explanation