Consumer complaint received 2023-11-21
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
RECEIPT OF THIS NOTICE CONSTITUTES AGREEMENT TO ALL TERMS STATED HEREIN : You have broken the law knowingly and willfully by reporting and obtaining information as a third party and exchanging it with organizations who are in breach of their Fiduciary duties as financial institutions. These institutions you are actively doing business with are in direct violation of the Federal Reserve Act. As outlined by Title 15 U.S.C. 1502 ( f ) credit is defined as the right granted. You are actively engaging in discriminatory practices and as a result are also violating the Equal Credit Opportunity Act ( ECOA ), the Consumer Credit Protection Act ( CCPA ), the Truth in Lending Act ( TILA ) and the Fair Credit Reporting Act ( FCRA ). The ECOA explicitly states a violation occurs when an applicant : " has in good faith exercised any right under the Consumer Credit Protection Act ''. The CCPA " safeguards consumers by requiring full disclosure of the terms and conditions of finance charges in credit transactions or in offers to extend credit. '' You are actively engaging in adverse actions by reporting inaccurate information aiding in credit denials and extensions of credit. Any corporation aiding in denying me access to my securities is participating in securities fraud. All of the inaccurate information you are supplying is also inequitable to me as the consumer and is causing me harm as well as prohibiting me from obtaining essential consumer goods for my household. As a financial institution who " assumed '' the responsibility of compiling these fraudulent reports, it is also your duty to follow the laws governed and outlined by Congress. ( See Gramm-Leach Bliley Act ) I have never given Equifax permission to furnish any reports on my behalf. How did you gain access to any of my trust information and when did I ever grant you power of attorney or any fiduciary responsibility to act on my behalf? Your corporation, as a third party source is actively engaging in criminal and wire fraud, as well as identity theft. Equifax is specifically engaging in pretexting : the use of false pretenses to obtain my personal information from financial institutions. This is also defamation.

You are also committing criminal conspiracy : " occurs when two or more " persons '' enter into an agreement to commit a crime and an overt act is taken to further the crime. Equifax is now facing corporate criminal liability as your organization is criminally liable for the acts of all of your agents, managers and employees. You are also liable for Civil XXXX : as I, the consumer, am injured by your acts of discrimination, defamation and XXXX violations and am entitled to recover for injury to my business and property ( SSN, name ). See CCPA - subsection 112 - criminal liability for willful and knowing violations ( 82 stat. 262 ; U.S.C. 1611 ) " Whoever willfully and knowingly - ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this title, or any regulation issued thereunder '' ( 3 ) '' otherwise fails to comply with any requirement imposed under this title. '' I am advising you to delete within 72 hours receipt of this notice : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX. 
ATTORNEY IN FACT, OWNER, BENEFICIARY for : XXXX XXXX RECEIPT OF THIS NOTICE IS AGREEMENT TO ALL TERMS STATED HEREIN :

Company response to consumer: Closed with explanation