Consumer complaint received 2021-01-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I recently reviewed my credit report of XXXX, XXXX  and Equifax and I notice many errors and derogatory remarks on my credit reports. 

1. XXXX XXXX is not a credit card is only a merchandise product purchase credit account, is not a Visa or Master card account. 
This XXXX credit account is purchase of appliances, etc online. 
Credit account ending in # XXXX is not a Credit Card account. 
Is noted by all three credit bureaus that's a regular credit card and over usage of 30 % is implemented to lower my credit scores with XXXX, XXXX  and Equifax. 

2.XXXX  XXXX account ending # XXXX is not a Home Mortgage loan, this account is a purchase of a water softener that was purchase in XXXX  for my former home in XXXX, Texas. Is showing on XXXX, XXXX  and Equifax as a home mortgage. 

3.XXXX  XXXX account # XXXX Auto Loan of {$10000.00} is showing past due as debt is sastified by the return of the vehicle as Financial Hardship was implemented. This account is showing as Collection and Charge off. Under my XXXX XXXX Act  of Department of Justice, XXXX  can not collect any debts as I am XXXX XXXX  and XXXX. Federal and State Law is mandated on my XXXX XXXX. 
XXXX  and Credit Reporting Agencies should delete derogatory debt and remarks from XXXX, XXXX  and Equifax immediately as this is a XXXX Federal and State Violations. 
4.XXXX. XXXX  Account # XXXXCollection and Charge Off {$5700.00} under my XXXX XXXX Act, company can not collect or add derogatory on my credit Report. 
This is added to XXXX, XXXX  and Equifax. 
5.XXXX  XXXX XXXX  Account # XXXX debt of Collection {$240000.00} should not be on my credit reports with XXXX, XXXX and Equifax. 

6. All Unauthorize Credit Inquiries of Financial Institutions should be deleted as I didn't give no companies written or Verbal Consent to pull my credit.

The only Financial Institutions I gaved Consent to Pull my Credit are as follow. 
1.XXXX  XXXX XXXX  XXXX  XXXX VA Loan process as of XXXX XXXX Third Party pulled credit by XXXX XXXX XXXX XXXX XXXX  on my auto loan.Account # XXXX 2.XXXX  XXXX Visa Card Account ending # XXXX 3.XXXX Merchadises Purchase online Account ending # XXXX 4.XXXX  XXXX Mastercard Credit Card account # XXXX 5.XXXX  XXXX  .Water Softener purchase in XXXX  with account # XXXX 6.XXXX XXXX XXXX XXXX purchase .Account is paid in full # XXXX. XXXX, XXXX. 
7.XXXX.account # XXXX is Paid off.Unsecured Loan. 
All Unauthorize Inquiries should be deleted immediately as Companies haven't provide no written document with my hand written signatures. 

Also XXXX  XXXX XXXX XXXX pulled my credit without my written Consent on XXXX XXXX this is a Federal and State Violations and XXXX XXXX Act under Department of Justice.XXXX Also, my credit scores are suffering because of all derogatory collections-Charge offs and Unauthorize Hard Inquiries on XXXX, XXXX  and Equifax. 
XXXX, XXXX  and Equifax shared my identity and my Private information to financial Institutions and companies. 
My Credit scores as of XXXX XXXX are as follow 1. XXXX  XXXX 2.XXXX  XXXX 3.Equifax XXXX  Why is my Equifax is at XXXX and XXXX  and XXXX  scores are very low. 
I am trying to purchase a new construction home in Texas and going through a VA Loan process. 
But respectfully I can not obtain a VA Loan because of the Retaliations of me filling Federal Complaints against XXXX, XXXX  and Equifax and Financial  Institutions that has business partnerships with XXXX, XXXX  and Equifax. 

As a XXXX XXXX XXXX Military Veteran I am seeking a opportunity to obtain a VA Loan and Purchase a new home in Texas as I can not afford to living in California because of the High Cost of Living and much more. 
I am XXXX XXXX and XXXX. 

Notice : Why XXXX, XXXX  and Equifax penalize our XXXX XXXX XXXX XXXX Members and Military Veterans with a 30 % Credit Card Usage to destroy their Credit Scores. 
If your credit card usage goes over 30 % credit scores will take a big hit like my credit scores is at with XXXX  andXXXX I am sending a email to XXXX XXXX XXXX XXXX and President Joe Biden and Kamala Harris on my issues and our Military Veterans issues with Credit Reporting Agencies and Financial Institutions. 
With Honor and Respect Always, Please Support our US Military Veterans and all Citizens in the Community in America. 
Extreme Urgent Matters!

Company response to consumer: Closed with explanation