Consumer complaint received 2022-06-08
Company: EQUIFAX, INC.
State: TN
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:
On XX/XX/XXXX at XXXX XXXX  Eye notified the department of educationXXXX XXXX third party debt collector informing employees to produce the contracts which legally binds the Naturally Living Man owing a debt to corporate entity/corpse legal fiction that has wet ink autograph on it. The employee was informed that the department of education/XXXX XXXX  needed to prove that if there was ever such thing as a student loan that proof needs to be provided that such a loan was paid off 180 days pursuant to having surety bonds attached to them. The department of education takes out surety bonds for student loan debt in case the student defaults on the loan. The original note was sold to insurance companies, investors and XXXX XXXX XXXX XXXX. The Social Security Numbers are what the department of education and Universities monetize off the original promissory note which was funded by the student. On XX/XX/XXXX, XXXX XXXX were notified regarding unlawfully furnishing credit reports without authorization or consent by the consumer in allowing so called debt collectors to report fictitious debts to the credit reporting agencies and they continue to uphold misconduct which violates fair credit reporting act which reflects on privacy violations, willful violations and negligent violations. Disputes were filled with Equifax on XX/XX/XXXX and XX/XX/XXXX regarding the same matters by phone. Disputes were filed with XXXX online regarding these same matters during the month of XX/XX/XXXX and all three reporting agencies have not corrected none of these matters which includes fictitious names reported, addresses, false and misleading information written in some foreign language in which they refuse to specify the language that the credit reports are written in. What is the language that these reports are written in? what type font it this according to the grammatical rules of XXXX in the XXXX style manual article XXXX? 
The following items was removed from the credit reports after Eye made disputes and just recently an alleged fictitious name written in all uppercase giving off the impression of XXXX  XXXX XXXX XXXX XXXX has been removed from Equifax and XXXX XXXX credit reporting agencies. This item had a fictitious amount of {$10000.00}, and employees of this agencies claimed that the amount was owed when in fact that amount is owed to me as the consumer for violations and financial injury done to me by way of identity theft, fraud, corruption, extortion, infringement, involuntary servitude, unjust enrichment, harm to personal and financial reputation, unlawful racketeering, money laundering and uttering forgery 1 public records and counterfeits : XXXX XXXX XXXX XXXX {$870.00}, XXXX XXXXXXXX XXXX XXXXXXXX {$98.00} Equifax-XXXX XXXX XXXX- {$210.00}, XXXX XXXX {$78.00}, XXXX  XXXX amount unknown, XXXX XXXX  XXXX XXXX XXXX XXXX {$5900.00}, XXXX XXXX {$660.00} and XXXX  XXXX XXXX- XXXXXXXX XXXX XXXX XXXX390.00} XXXX XXXX XXXX XXXX {$5900.00}, XXXX XXXX {$660.00}XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
15 usc Subsection 1681 ( e ) ( b ) states that whenever a consumer report agency prepares a consumer report it shall follow the reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 usc 1681 ( c ) -authorized under ( b ) -no consumer reporting agency make any consumer report containing any of the following items information number one case under title II or under the bankruptcy act from the date of entry of the order or the relief or the data education as the case may be annotated the report by many years. Credit reporting agencies can not furnish something they did not receive written consent from the consumer to furnish. This means that Eye didnt give written consent for anything to be on my consumer report so if Eye enroll in school and they furnish a report and Eye never wrote them giving them written permission to have that on my consumer report, thats a violation. Plus Eye didnt sign a contract with the credit reporting bureaus and even still the bureaus are suppose to receive something written the consumer giving them permission to furnish under fair credit reporting. The credit reporting agencies are suppose to investigate anything thats furnished before they even hit a consumer reports. This is why when the consumer disputes something, the consumer is requesting a reinvestigation because it was already supposed to be investigated by law if not thats a fcra violation which is {$1000.00} per violation. So number 1, the credit bureaus didnt investigate in the first place and we know that because if Eye can an inaccuracy in it that means the credit reporting agencies should have saw that and thats their job as consumer reporting agencies. A deletion is admission, when its deleted that means they admitted that they violated it, Eye have to be compensated. Eye never gave permission to have place of employment reported on the credit report and the credit reporting agencies have name of other people listed on the credit reports. The bureaus admitted that they did not investigate when those items were furnished on the credit report. Medical information is not supposed to be furnish on consumer reports and that a Hipaa Violation. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  thats a hipaa violation. So if your own mom is not allowed to go through or via your medical information thats a hippa violation so why would a third party debt collector have access to it.

Violations : 15 usc 1692-abusive, deceptive and unfair collection practices are fair debt collection practices act violations.

15 usc 1692d-harrassment and abuse that caused high blood pressure, anxiety and built up anger.

15 usc 1602-definitions and rules of construction.

Violations of the Truth in Lending Act.

15 usc 1692f-unfair practices.

15 usc 1692j-furnishing certain deceptive forms.

15 usc 1681-accuracy and fairness of credit reporting.

15 usc 1681c-authorized under section b, a credit reporting agency can not furnish something that they did not receive written consent from the consumer to furnish.

15 usc 1681c-2-block of information resulting from identity theft 15 usc 1692c-communication in connection with the debt collection 15 usc 1681 ( e ) ( b ) -compliance procedures- accuracy of consumer report whenever consumer reporting agency prepares a consumer report they shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

18 usc 1028-fraud and related activity in connection with identification documents, authentication features and information.

18 usc 1341-frauds and swindles.

15 usc 1681b ( 1 ) ( 2 ) -permissible purposes of consumer reports according to 1 ) regarding reporting and furnishing credit reporting properly wheres the court order according to 1 )? If not did Eye give permission according to 2 )? Because if not, 2 is in accordance to the instructions of the consumer. So did Eye give the credit reporting agencies permission or authorization on how Eye wanted or what Eye wanted on the credit report? No. This means that 15 usc 1681n-civil liability for willful noncompliance and 15 usc 1681o-civil liability for negligent noncompliance were violated.

Violation of fair credit reporting act Violation of fair debt collection practices act 15 usc 1692e-false and misleading representation 15 usc 1681m-requirements on users of consumer reports.

42 usc 408-penalties ( selling social security number and altering social security numbers for monetary gain ) 31 cfr 1.32-disclosure of social security number 5 usc 552a-privacy and disclosure of social security number under section 7.

15 usc 1611-criminally liable for willfully and knowing violations 15 usc 1640-civil liability 15 usc 1641-liability of assignees 15 usc 1692k-civil liability 15 usc 1681g-disclosures to consumers 15 usc 1681f-disclosure to government agencies 15 usc 1681q-obtaining information under false pretenses 15 usc 1681r- unauthorized disclosures by officers or employees 15 usc 1681s-2-responsiblilities of furnishers of information to consumer reporting agencies 15 usc 1681h-conditions and form of disclosure to consumers.

15 usc 1681i- procedure in case of disputed accuracy 15 usc 1681c-1- identity theft prevention, fraud alerts and active duty alerts Corruption, infringement, coercion, collusion, intrusion, contravention, involuntary servitude, tax fraud, bank fraud, securities fraud, identity theft, grand larceny, embezzlement , unlawful racketeering, money laundering, wire fraud, computer fraud, unjust enrichment, violation of the plain writing act oXXXX XXXX malfeasance of office, malpractice, treason, perjury, proselytizing, besmirch, usury, barbarity, encroachment, divest, mail fraud, shell gaming, trickery and peonage 18 usc 1038-false information and hoaxes Extortion of legal tender/fiat monopoly which violated 18 usc 208 affecting personal financial interest.

Company response to consumer: Closed with explanation