Consumer complaint received 2017-10-09
Company: EQUIFAX, INC.
State: GA
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:
It 's XXXX am in the morning, guest what I 'm XXXX doing, XXXX, EQUIFAX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, I love it, make XXXX sure that the IRS is on this. This crook XXXX XXXX is testi-lying, this is a real crook. Now this was my opening statement to my open complaint with Equifax. Equifax has been allowed to toy with my XXXX credit report for over 25 years or so, they 've suppressed my ( 1 ) credit score, ( 2 ) they 've added credit accounts that did belong to me, such as XXXX, there 's two accounts, this bastards added an additional account, XXXX XXXX ) Equifax has collaborated with XXXX and XXXX to report falsified accounts, delays in the removal of disputed accounts, ( 4 ) Equifax has removed my mortgage account, account number XXXX, this XXXX account has been sold/transferred, but these XXXX XXXX XXXX XXXX deleted this account when I made mention to XXXX XXXX of my VA Mortgage Loan underwriting process XXXX This account, mortgage account, loan number XXXX would increase my credit score by 30 -100 points but these bastards at XXXX XXXX XXXX Equifax are XXXX bent on showing me that I 'm ignorant, and I do n't have any RIGHTS, and they can f ... .. do what will with my credit file. Now there are several accounts that are CLOSED, do to a ignorant XXXX VP at XXXX XXXX XXXX XXXX that discriminated against equity loan for setting his XXXX straight and talking like a real strong XXXX man, that do n't kiss XXXX and will not kiss XXXX. I 've filed a complaint with HUD, HUD still investigating. Now these retards, Equifax, XXXX, and XXXX, as well as XXXX XXXX and XXXX XXXX XXXX, think I do n't fight back, well XXXX I beggar to differ. See in XXXX I fought XXXX XXXX XXXX XXXX back which equated to {$110000.00} Principal FORGIVENESS, FORGIVENESS, FORGIVENESS, 2 % INTEREST RATE, DO YOU HEAR THIS EQUIFAX, XXXX FIGHT BACK. I WANT TO BE CLEAR, UNDERSTAND THIS EQUIFAX, I HAVE OVER 30 YEARS OF CREDIT REPORTS THAT I 'VE BEEN SAVING FOR FEDERAL COURT, SEE I SEE WHAT YOU BASTARDS HAVE BEEN DOING TO ME, AND YOU GOT THE CONSUMER FINANCIAL PROTECTION BUREAU allowing your games to be XXXX played with me, but this is what I 'm going to do, file complaint with the Justice Department against CFPB, CFPB I see you, there 's notes on my account to not assist me as a XXXX Consumer when filing my complaints, but answer the XXXX Justice Department civil rights XXXX XXXX with XXXX, XXXX XXXX XXXX XXXX Veteran and Social Security Beneficiary, DO YOU GET IT, CFPB, I SEE YOU, YOU ARE NOT DOING A XXXX THING WITH MY COMPLAINT REQUEST, SO I 'M GOING TO HAVE TO ASK FOR INVESTIGATES BY OIG AND YOUR COMPLIANCE DEPARTMENT WITH CFPB, Oh yea! CFPB, have these rat XXXX, Equifax and XXXX XXXX XXXX put my XXXX sold/transferred Mortgage account back on my credit report. Now I know you, [ CFPB ] have taken a look at my credit report, so I suggest that you CFPB do n't think I do n't know what 's going on, Really, you have got to be kidding me! OH I SEE THE GAME! Take a look at my Credit Report baby, CFPB, I 'm in gooooood shape, I 'm retired, over XXXX a month, {$1.00} mill owed to me, $ XXXX Equity in my, MY XXXX HOME, MY HOME. BUT XXXX TURNED MY CREDIT SITUATION UP SIDE DOWN BY THIS CROOK XXXX XXXX VP OF LOAN AT XXXX XXXX XXXX XXXX, SEE THIS XXXX THOUGHT I WOULD KISS HIS XXXX, I DO N'T KISS XXXX, I SUE XXXX, I 'M GOOD AT WHAT I DO. Equifax remove that f .... fraudulent XXXX account off my credit report. Listen up Equifax, every MORTGAGE INQUIRY THAT 'S ON MY CREDIT REPORT, EACH LENDER WILL BE XXXX XXXX XXXX SUBPOENA moving forwarded and explain in Federal court as to why I was denied a VA Mortgage Loan. Experian you XXXX XXXX are going to make me a rich man. Head hunting for Consumer Attorney here in XXXX to prosecute my Consumer Discriminatory claim against you XXXX XXXX, HOW DARE YOU XXXX  .... WITH MY XXXX Credit file.

Company response to consumer: Closed with explanation