Consumer complaint received 2023-04-03
Company: EQUIFAX, INC.
State: GA
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:
My name is XXXX XXXX and This is a DISCRIMINATION and DEFAMATION OF CHARACTER complaint PER THE EMAIL THAT WAS SENT TO ME on XX/XX/XXXX from EQUIFAX BREACH SETTLEMENT. This is a adverse action / discriminationvoliation per the XXXX XXXX XXXX settlment for reinbursement of the damages that EQUIFAX caused me and the letter they sent was proof of discrimination. 

I tried to resolve the issue .. Equifax/In re Equifax XXXXata Breach Settlement c/o JND Legal Administration violated 1681i and therefore is liable under 1681n. 

This email I got on XX/XX/XXXX is clear evidence of discrimination, false and misleading information, adverse action towards the consumer, and willful noncompliance. 

I got an email from info@equifaxbreachsettlement.com Subject : Your Equifax Settlement Claim is Incomplete ( You Must Act or Your Claim Will Be Denied ) Your Claim Number : XXXX Dear XXXX XXXX : You filed a claim in the Equifax Data Breach Settlement. To be a Settlement Class Member you must have been one of the approximately 147 million U.S. consumers identified by Equifax whose personal information was impacted by the Data Breach that Equifax announced in XXXX of XXXX. However, according to Equifaxs records, you are not a member of the Settlement Class and are not eligible for Settlement benefits. 

If you believe this determination was incorrect, you must provide proof of Class membership. This could include providing confirmation of a previous name you used or the email address where you received Settlement Notice so that we can attempt to locate you in our records.

You must provide proof of Class Membership by XX/XX/XXXX. 

If you do not, your claim will be denied without further communication from the Settlement Administrator. 

To submit proof of Class Membership, click here.

You can also submit proof of Class Membership by mail postmarked by XX/XX/XXXX. Please make sure to include your full name, mailing address, and Claim Number ( provided above ) and mail it to : Equifax Data Breach Settlement c/o XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX For more information about the Settlement, please visit the Settlement Website at www.EquifaxBreachSettlement.com. 

This notice is from the Court-appointed Settlement Administrator ( XXXX XXXX XXXX ), not Equifax. Please do not contact Equifax with questions. You may contact JND by email at info@EquifaxBreachSettlement.com, by phone toll-free at XXXX, or by mail at Equifax Data Breach XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, WA XXXX XXXX 

Equifax Debt Settlement is violating laws and defaming my character which has caused me alot of damages : The XXXX XXXX Police Department also has a FULL Police Report on File due to what Equifax did with my credit and personal information and a assigned detective by the name of XXXX. XXXX XXXX # XXXX. 

I have attached court records verifying I am a verified victim of the Equifax Data Breach of XXXX. All my personal information was stolen and compromised. 

I have attached Identity Theft Report and Police Report XXXXwo crimes happened : 1. Cyber criminals took my info from 2. Equifax, Equifax Data Breach and I am a Verifiable Victim of Identity Theft My information was stolen XX/XX/XXXX My info, the law, the crimes that were broken are attached in the case see ( court order attached ) I was mislead as a consumer ( UDAAP ) this was the law that was broken Cyber Crime with Equifax Identity Theft with Equifax on XX/XX/XXXX In XX/XX/XXXX, Equifax announced that it had been the victim of a criminal cyberattack on its systems. The attackers gained unauthorized access to the personal information of approximately 147 million U.S. consumers. This information included peoples names, Social Security numbers, birth dates, addresses, and in some instances drivers license numbers, credit card numbers, or other personal information. 

I was mislead as a consumer ( XXXX ) this was the law that was broken that allows me to have {$20000.00} paid to me due to the Equifax Data Breach. I would like to be reimbursed for the action to prevent, time spent, potential harm, and recovery of {$20000.00} https : //contactus.equifaxbreachsettlement.com/en/contact In re Equifax Data Breach Settlement XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX Equifax Claim Number XXXX - claim was received on XX/XX/XXXX I would like to be reimbursed for the action to prevent, time spent, potential harm, and recovery of {$20000.00} https : //contactus.equifaxbreachsettlement.com/en/contact In re Equifax Data Breach Settlement c/o XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Section 611 ( 5 ) A of the CRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non complaint, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be deleted. It is also my understanding that Under the U.S.C. 1681, ever single one even each any or all of the unproven, non compliant, incomplete, untrue, incorrect, and or unverfied aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted I am now ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated Metro 2 data formatted reporting standards according to regulations I was harmed because low credit score result in credit denial for quality safe housing which I have a right. Being denied for that quality housing forced me to live in a less favorable neighborhood that force me and my children to have to witness drug use and violent activity. There is a lot of crime in the area and I dont feel safe. I was also denied for an auto loan and having to walk is embarrassing. How does Equifax know that people arent passing my laughing at me and my children which now causes emotional stress. 

Identity Stolen Denied XXXX AND XXXX lost XXXX due to XXXX XXXX reporting Denied Unemployment Denied forbearance on school loans Had to pay more for car insurance Had to spend extra money due to suffering and had to have medical treatment due to stress, anxiety, panic attacks, chest pains, and heart palpitations and breathing heavy after I found out I was affected and my personal info had been compromised and or stolen from Equifax. 

I was denied mortgages Charged a higher deposit on home rentals Could not finance a vehicle Everything will have to be logged Screenshots of every time I order a credit report Copies of mail Phone calls to credit bureau ( logged ) Notarized affidavit of truth Dr appt for anxiety attacks Identity Theft ( Notarized ) Police Report Refusals for XXXX and loans Refused for jobs and credit applications Turned down for mortgage or credit Talked to counselor for stress ( receipts or proof ) Massage ( receipt ) tense due to you being a victim of your stuff stolen I have attached the following and sent to Equifax Breach Settlemnt via mail with the tracking number # attached to this complaint Receipt attached Police Report FTC Report Notarized Identity Theft Affadavit Notarized Affadavit of Truth My ID Equifax Claim # Court Orders ( XXXX ) XXXX FCRA report Equifax violated the following : 1. 15 USC 1691c 2. 15 USC 1692k 3. 15 USC 1642 4. 15 USC 1681m 5. 12 CFR 1002 15 USC 1681a ( k ) The term " adverse action '' ( A ) has the same meaning as in section 1691 ( d ) ( 6 ) 0f this title ; and ( B ) means ( i ) a denial or cancellation of, an increase in any charge for, or a reduction or other adverse or unfavorable change in the terms of coverage or amount of, any insurance, existing or applied for, in connection with the underwriting of insurance ; ( ii ) a denial of employment or any other decision for employment purposes that adversely affects any current or prospective employee ; ( iii ) a denial or cancellation of, an increase in any charge for, or any other adverse or unfavorable change in the terms of, any license or benefit described in section 1681b ( a ) ( 3 ) ( D ) of this title This new complaint will also be sent to Georgia Attorney General, BBB, and other federal entitites so that it is tracked as evidence and that the EQUIFAX DATA BREACH SETTLEMENT is not in compliance with the Judge 's mandatory court order and if my rights continue to being violated and they continue to break the law, I will be forced to take legal actions for actual damages when there has been negligent noncompliance. " Compensatory damages AND Punitive damages. '' Governing Law. This Letter of Intent shall be governed under the laws of the State of Georgia.

Equifax , Inc and its registered agents have played a detrimental role in the death of my credit repuation. Equifax , Inc continuously, willfully and knowingly report inaccuracies have ruinted me credit worthiness, credit standing, credit capacity character and reputation. 

Equifax has caused me grave harm, injury and have tremendously violated me pursuant to 15 U.S.C. 1681 ( a ) ( 1 )

Company response to consumer: Closed with explanation