Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

XX/XX/XXXX This letter serves as both an urgent request for set-off and a formal notice of potential fraud concerning account number ending in [ XXXX ] I, XXXX XXXX XXXX XXXX authorized agent for XXXX XXXX XXXX, I request immediate action as outlined below. Federal authorities will be informed to address alleged fraudulent activities, unauthorized transactions, and potential federal financial and consumer protection law violations within 24 hours, providing CORRECTIVE MEASURES 1. Immediate Set-Off and Payment Instructions I formally request an immediate set-off for the principal balance on the referenced account and the return of all overpayments and associated fees. Under UCC 3-104 and House Joint Resolution 192, this serves as a lawful debt discharge request. Please apply this payment and discharge the balance within 24 hours of receipt.

2. Fraud Allegations and Federal Investigations Due to unauthorized account activities, I expect corrective action IMMEDIATELY. Failing this, the following agencies will be notified and Pursuit of criminal prosecution : Financial Crimes Enforcement Network ( FinCEN ) : Directed by XXXX XXXX. 
Securities and Exchange Commission ( SEC ) : Oversight by Chairman XXXX XXXX. 
IRS Criminal Investigation Division : Led by Chief XXXX XXXX. 
Federal Bureau of Investigation ( FBI ) : Headed by XXXX XXXX XXXX XXXX. 
Federal Trade Commission ( FTC ) : Under XXXX XXXX XXXX. 
U.S. Department of Justice ( DOJ ) Fraud Section : Supervised by Attorney General XXXX XXXX XXXX and Chief XXXX XXXX XXXX, XXXX. 
U.S. Secret Service : Acting Director XXXX XXXX XXXX, XXXX. 
3. Documentation and Account Reconciliation Request Under 15 U.S.C. 1666b ( a ) and 12 U.S.C. 1831n ( 2 ) ( A ), please provide : Documentation of original funding sources and all transactions on this account.

Contracts and promissory notes related to this debt.

Failure to comply within the requested timeline may constitute a violation, warranting actions under the RICO Act ( 18 U.S.C. 1951 ).

4. Basis of Counterclaim and Remedy Provisions UCC 2-302 : Right to remedy unconscionable contracts.

UCC 1-201 ( 24 ), 3-104, 8-102 ( 9 ), 9-102 : Statutory definitions for promissory notes and credit instruments as negotiable assets.

Title 31 USC 5118 ( d ) ( 2 ) : Prohibition on requiring lawful money, rendering contracts unenforceable if reliant on restricted tender.

12 USC 1813 ( l ) ( 1 ) : Defines promissory notes as financial assets, which constitute legal tender.

5. Right to Set-Off and Recoupment Set-off rights are exercisable through the issuance of this notice, following established practices for equitable remedies.

Under UCC principles, set-off action requires a clear decision, an effectuating step, and recorded documentation.

6. GAAP Audit Trail Requirements 12 USC 1831n ( 2 ) ( a ) : Establishes the audit trail requirement, addressing securities and accounting fraud issues.

7. Truth in Lending ( TILA ) and Open-End Credit 12 CFR 1026.13 and 1002.2 : These sections clarify that open-end credit accounts, as defined by Truth in Lending, imply specific credit extension terms and conditions.

8. Federal Reserve Payment Mechanisms and Fiduciary Breach 12 CFR 1026.13, 12 CFR 360.6 ( 2 ), 17 CFR 260.11b-6 : Federal Reserve notes and remittance instruments may serve as self-liquidating assets. Incorrect handling or misuse constitutes a breach of fiduciary duty under U.C.C. 3-307.

9. Electronic Contracts and Securities Fraud 15 USC 1691 ( c ) and ( k ) : Imposes civil liability on parties failing fiduciary duties.

SEC and IRS Provisions : Compliance breaches may result in SEC and IRS action for unauthorized use of financial instruments.

9. IMMEDIATE ISSUANCE XXXX XXXX XXXX Instrument In accordance with recent communications with regulatory bodies, including the SEC and FDIC, I request the immediate issuance of a XXXX XXXX ( XXXX XXXX XXXX XXXX ) linked exclusively to the private account under my control. This instrument should : Be restricted solely to private exchange transactions of real assets, Remain free of liens or encumbrances, Be issued within three ( 3 ) business days of receipt of this notice, with written confirmation and any relevant activation documentation.

Supporting Statutes and Compliance Obligations This request is further backed by : Title 31 USC 5118 and UCC 2-302 ( negotiable instrument usage as legal tender ), SEC Rule 17a-5 ( ensuring broker-dealer compliance with secure account standards ), Truth in Lending Regulation Z ( 12 CFR 1026.13 ) and 15 U.S. Code 1666 ( e ) ( promoting transparency in credit for secured private assets ).

Notification to Regulatory Bodies Should this request not be fulfilled within the specified timeframe, I will escalate the matter to the relevant federal authorities for an investigation into fiduciary compliance, including the SEC and FDIC, under 18 USC 1951, for potential interference with commerce.

Enhanced Security Requirements XXXX XXXX XXXX must comply with federal banking standards for security, adhering to the following : Securities Act of 1933, Securities Exchange Act of 1934, Banking Act of 1935, FDIC regulations, and IRS and Bureau of Public Debt standards.

All fees related to this service should be billed monthly, with itemized statements for my review. If you need additional clarification from the SEC or FDIC, please contact me directly at ( XXXX ) XXXX. 

ALL RESPECTIVE CONTRACTS RELATING ARE TENDERED AND WILL BE DEPOSITED. THIS IS MY FINAL ATTEMPT TO RESOLVE ALL MATTERS REGARDING XXXX customer # XXXX, Deal # XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Principal Without Prejudice/Without Recourse, UCC 1-308, All Rights Reserved