Consumer complaint received 2022-09-03
Company: EQUIFAX, INC.
State: TN
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Violations done by consumer reporting agencies regarding unauthorized use of credit card, identity theft and reporting consumer reports without written authorization or permission by Administrator/Card Holder XXXX, XXXX and Equifax are in willful and knowing violation for reporting false and misleading, inaccurate information after theyve been warned of such matters which includes names that are fictitious names and addresses along with employment history. Consumer reporting agencies did not obtain written permission pursuant to 15 U.S.C. 1581b ( a ) ( 2 ) ( 3 ) ( a ). There's no prove regarding financial institutions loaning out cash or asset of its depositors pursuant to 12 U.S.C. 83, otherwise where's the validation of proof which shows the audits and transmission of currency being lent out if the. Admit or Deny that consumers have been lending themselves any loans or credits. If denied then provide proof. 
XXXX, Equifax or XXXX never received written permission by consumer for the unauthorized use of the social security card, name and account number pursuant to 15 U.S.C. 1602 ( p ) nor did they get permission by the consumer to publicize non-public information pursuant to 15 U.S.C. 6803 which violates Privacy Act of 1974 pursuant to 5 U.S.C. 552a which clearly states that it shall be unlawful for any federal, state or local government agency to deny to any individual any right, benefit, or privilege provided by law because of such individuals refusal to disclose his social security number. This also means that men or women cant be identified by a social security number or paper. Pursuant to 15 U.S.C. 1681a ( 3 ) ( 4 ) -the consumer reporting agencies committed identity theft. ( 3 ) The term identity theft means a fraud committed using the identifying information to another person, subject to such further as the bureau may prescribe by regulation. ( 4 ) Indentity theft report. The term identity theft report has the meaning given that term by rule of the Bureau, and means at a minimum, a report, ( a ) that alleges identity theft. 
This constitutes identity theft when U.S. Department of EducationXXXX XXXX conspired to deprive the consumer by unlawfully reporting to consumer reporting agencies by means of altering, trading and selling of the social security card XXXX name and account number which are non-public records and violates the privacy act of 1974 and they did not get permission from the Administrator/Card Holder to disclose such private information amongst each other pursuant to 15 U.S.C. 1602 ( p ) -unauthorized use, 15 U.S.C . 1581b-permissible purpose of consumer report which carries penalties punishable by law pursuant 42 U.S.C. 408-penalties.

Other Violations 15 U.S.C. 1611-criminal liability for willful and knowing violation 15 U.S.C. 1640-civil liability 15 U.S.C. 1641-liability of assignees 15 U.S.C. 1681n-civil liability for willful non-compliance 15 U.S.C. 1681o-civil liability for negligent noncompliance 15 U.S.C. 1644 ( a ) -use, attempt or conspiracy to use credit card in transaction affecting interstate or foreign commerce 15 U.S.C 1692g-validation of debts 15 U.S.C. 1681s-2-responsibilities of furnishers of information to consumer reporting agencies 18 U.S.C . 241-conspiracy against constitutionally protected rights under color of law 18 U.S.C. 242-deprivation of constitutionally rights under color of law Please Note : it is a crime to overthrow our constitutionally form of government for monetary gain of function and profit. in the article " who owns your credit score '', the ceo admitted that his own consumer report was inaccurate. It goes on to state that " XXXX XXXX, told XXXX XXXX XXXX XXXX that when he first checked his own equifax credit report, it showed he bought a vaccum cleaner he didn't own, a mobile phone service he hadn't signed up for and a credit card he didn't have. 

Claim Numbers Regarding Disputes : XXXX Claim Number-XXXX Federal Trade Commission Claim NumberXXXX Equifax Claim NumberXXXX Equifax Claim Number for U.S. Department of Education-XXXX Equifax Calim NumberXXXX

Company response to consumer: Closed with explanation