Consumer complaint received 2023-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

XXXX XXXX XXXX  Dear CFPB : The three major credit-reporting bureaus have become co-conspirators in FBI reported criminal fraud. 
Please read all attached evidences. 
Since my first fraud alert on XXXX XXXX XXXX  each escalation has developed hard evidence for prosecutors. 
Im not their ordinary fraud target. I keep material evidence, and Im tenacious. 
I beseech the CFPB to either prosecute or delegate this case explicitly to Arizona, New Jersey or Massachusetts to lead an investigation into the primary criminal actors who electronically transacted fraud in New Jersey from Arizona and Massachusetts, and potentially across the U.S. to others, as well.

This round-robin of referring consumers to each state, the U.S. Comptroller of Currency and other agencies with partial jurisdictions, only to refer it back to CFPB to transfer a benign paper trial without action, is exacerbating this fraud, encouraging more crime and further victimizing the victim. 
XXXX XXXX, alone, XXXX 84 % last year. People XXXX XXXX XXXX were defrauded out of more than {$35000.00} each on average in white-collar shakedowns, not street muggings. And small frauds like mine are rarely reported, because of victim-shaming, so the true cost of frauds could be mindboggling. 
XXXX XXXX XXXX  The failure to prosecute -- or to make even commonsense appeal to the corporate leaders raking in XXXX salaries because of fraud success -- is why fraud report figures grow seemingly exponentially every year, while other types of crime rise and fall. What would you choose as a major at XXXX University? 
The primary conspirators, this vendor and XXXXXXXX XXXX, did not just make mistakes or oversights. They are not uninformed about consumer rights in law. They are boss and bagman, clear as day dawns. 
These XXXX XXXX corporate criminal conspirators are not merely apathetic to the crimes of the other. They ae steadfastly devoted to uplifting each others criminal roles. Why not? Its profitable, and very, very, VERY profitable to their CEOs to boast to investors to buoy Wall Street a win-win-win, as long as you dont think about all the seniors {$35000.00} annual XXXX to accomplish the achievements. 
In joining as XXXXXXXX XXXX to fulfill the boss and the bagmans malicious attempt to shut me up and take my lickin for not succumbing to extortion, these three credit bureaus that are or wannabe XXXXXXXX  companies assume all the same blame, as in any RICO conspiracy. 
They all do it because they can. 
They do it because government teeth and funding have been insufficient to nail the racket, so far. 
These are five big fish, CFPB. Im a little nobody struggling to stand my ground on a merXXXX XXXX XXXX XXXX XXXX that I dont owe anyone, but all of us like me are the iceberg. Im not going to shut up and go away. 
CFPB and other watchdogs should not stand back and stand by while I give you this full view to see five big bullies bloody and beat me on the proverbial playground for my {$63.00} lunch money as part of the XXXX XXXX XXXX XXXX of each American for an average {$35000.00} a year.