Consumer complaint received 2022-06-18
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: Account status incorrect

Complaint:
My down payment on my car payment contract was fraudulently listed as credit applied to my loan financed with the credit lending company XXXX. This ordinance is in violation by 15 USC 1605 I sent XXXX a Deb validation and cease and desist letter on XX/XX/2022 with 30 days to provide documentation that I owe allege debt. XXXX has violated my cease and desist. XXXX has yet to provide a sufficient response and presented me with insufficient information/documents to prove the alleged debt belongs to me and report false and fraudulent information in an attempt to compromise my financial reputation, cause emotional distress, defamation of character and other unseen injuries. 
XXXX has committed numerous violations of my consumer rights including but not limited to 15 USC 1692b ( 2 ), 15 USC 1692j ( a ), 15 USC 1692e ( 2 ) ( A ), 15 USC 1692e ( 7 ), 15 USC 1692e ( 8 ), 15 USC 1692e ( 10 ), 15 USC 1692f and many more I demanded that XXXX send me the following information to prove that the alleged debt was mine : ( 1 ) Name and address of the original creditor who created the debt, ( 2 ) Name on file of alleged debtor, ( 3 ) Alleged account #, ( 4 ) Address on file for alleged creditor, ( 5 ) Amount of alleged debt, ( 6 ) Date this alleged debt became payable, ( 7 ) Date of original charge or delinquency, ( 8 ) Was the debt assigned to a debt collector, ( 9 ) Amount paid of debt purchased, ( 10 ) Commission for debt of collection efforts are successful, ( 11 ) Documentary evidence that this agency is in fact the holder in due course, & ( 12 ) Certified copy of the original negative information notice required by FCRA Section 623 ( 7 ) ( A ). ( 13 ) forensic account audit of said acct I allegedly owe. XXXX responded with a fraudulent contract that they alleged I signed but it did not have my wet ink signature on it. Presenting me with this fraudulent contract has been construed as them attempting to not only hide evidence but commit fraud against me in an attempt to pay an alleged debt they can not prove is mine. 
XXXX presented me with a fraudulent contract as their proof of the alleged debt, that did not fully disclose all accurate and truthful information in the loan contract. XXXX gave a response that was not sufficient as they did not provide all the information requested above. They are unable to produce an original contract with my wet ink signature because they do not have XXXX and can not prove that I initiated this consumer credit transaction. 
XXXX attempts to collect payment are a violation of federal law, and the contract stating payments on the loan is deceptive as well as null and void. XXXX stole my vehicle as an attempt coerce me into paying an alleged debt that does belong to me nor do I owe. Which is in violation of 15 USC 1692f Unfair practices. Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if they do not have the right to there is no present right to possession of the property claimed as collateral through an enforceable security interest. XXXX has continued to violate 15 USC 1681 ( a ) ( 1 ), 15 USC 1681b ( 2 ), 15 USC 1692e ( 8 ), 15 USC 1692e ( 2 ) ( A ), 15 USC 1692e ( 10 ) and by claiming I owe an alleged debt and by falsely and fraudulently reporting information they know is not true to consumer reporting agencies in an attempt to use unfair and deceptive means to make me pay an alleged debt I do not owe and they can not prove I owe and by doing so without my written permission to do so. Also they have an amount on the consumer report which is in violation of 15 USC 6809 ( 4 ) ( A ) nonpublic personal information. 


I demanded in writing that XXXX stop reporting this false, fraudulent information and alleged debt to consumer reporting agencies and furnishing my report with this false, frivolous and fraudulent information. XXXX continues to report to consumer reporting agencies, without my consent, that I owe an alleged debt however that alleged debt is being reported in a positive balance. It is impossible to pay/owe on a positive balance, if it was an actual debt and is owed it should be shown in the negative. The promissory note that I signed to get the loan is actually a credit instrument that was used in order to grant bookkeeping entry into the loan account which is equivalent to money. The alleged debt was already paid for with the signing, delivery, acceptance, and deposit of the promissory note. The moment I signed its blank indorsement and XXXX took and made it a special indorsement according to UCC 3-205. Pay to the order of and its then negotiated for face value or close to it. This alleged debt is not an actual debt. The United States government created a bond ( which is my birth certificate ) with which negotiable instruments may be issued. My bond and social security number provided the security interest for the consumer credit transaction. Security which covers all obligations or alleged obligations which is that of the United States government pursuant to 18 USC 8. My account is associated with an open ended consumer credit plan and XXXX has failed to balance out my account every month to rectify their bank error caused by their mismanagement of payment. XXXX has yet to produce an Insurance audit trail, a money audit trail in accordance with XXXX, or full disclosure in accordance with 15 USC 1681g and all other documentary evidence in accordance with 15 USC 44 which I demanded. Pursuant to 31 USC 3718 XXXX has to have a contract with the Treasury in order to even collect an alleged debt which XXXX does not have.

Company response to consumer: Closed with explanation