Consumer complaint received 2022-07-28
Company: EQUIFAX, INC.
State: IL
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 am XXXX that the included information below in my credit profile that the credit bureaus have failed to maintain reasonable procedures in operations to assure maximum possible accuracy in the credit reports being published. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Im a natural person my name is XXXX XXXX and the credit bureaus have violated my rights. Ive sent out dispute letters and conditional acceptance letters also to resolve any issues. 
Refer to 18 U.S. Code 242- Deprivation of Rights under color of law. Also, refer to U.S. Code 241- Conspiracy against rights, your company, and the creditor equals two or more persons conspiring against my rights and privileges secured to me by the U.S. Constitution. Under 15 U.S. Code 1681i ( 5 ) ( B ) ( ii ) ( iii ) - A item was deleted and reinserted without notifying me 5 days after this account is in violation.

Under penalty of perjury, I swear these accounts are false and misleading Under the 15 U.S.C. 1681i ( 7 ) - Method of verification these accounts are in violation it was reported without valid evidence.

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), these accounts are in violation of not reporting 100 % accurately.

Under 15 U.S. Code 1681a ( 2 ) ( B ) - Exclusions from a Consumer Report these accounts are in violation of any credit transaction supposed to be excluded from a consumer credit report. If a social security card was used in the transaction.

Under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. 15 USC 1681 They have not supplied proof under the doctrine of estoppel by silence Engelhardt v. Gravens ( Mo ) 281 SW 715 719 I may presume that no proof of the alleged debt nor therefore any such debt in fact exists.

Under 15 U.S. Code 1681b- Permissible purposes of consumer reports, I never gave you any written consent to report anything on my consumer reports no consent is fraud.

Under 15 U.S. Code 1692d- Harassment and abuse have been harassed and have trauma this account in violation.

Under 15 U.S. Code 1692j- Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist ASAP.

Under 15 US Code 1692j- These agencies and the debt collectors are in violation. Cease and Desist under 15 USC 1692c ASAP.

FDCPA Section 807 Violation Misleading False Reporting Inaccurate reporting Under the Fair Debt Collection Practices Act, these disputed items may not appear on my credit report if they can not be supported by any evidence 15 USC 1692 ( g ) You can not report a late payment or past due on a collection this is a violation of the FCRA. 

Accounts : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX Under 15 U.S. Code 1681i ( 5 ) ( B ) ( ii ) ( iii ) - A item was deleted and reinserted without notifying me 5 days after this account is in violation. 
XXXX # XXXX XXXX  # XXXX US DEPT OF EDXXXX # XXXX US DEPT OF ED/XXXX # XXXX US DEPT OF ED/XXXX # XXXX US DEPT OF ED/XXXX XXXX XXXX US DEPT OF ED/XXXX  XXXX XXXX US DEPT OF ED/XXXX # XXXX US DEPT OF EDXXXX # XXXX US DEPT OF ED/XXXX  # XXXX US DEPT OF ED/XXXX # XXXX US DEPT OF ED/XXXX # XXXX US DEPT OF ED/XXXX # XXXX US DEPT OF ED/XXXX # XXXX US DEPT OF ED/XXXX # XXXX

Company response to consumer: Closed with explanation