Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (OR)

This is also in response to CFPB Complaint number XXXX Greetings, Thank you for your response. I have not received a proper response to Exhibit B. This is clear if any one has been reading through my detailed report. You will also see that a contract has been created via exhibits b-d. These letters were not responded to. XXXX can choose to send letters stating that they only accept payment in US Dollars but this is in violation of the law. XXXX by not answered exhibits b-d has agreed to my terms by tacit acquiescence. 

None of the following questions have been answered : 1. Are you aware that federal law provides for imprisonment and/or fines for making any materially false, fictitious, or fraudulent statement or representation whether in person, in writing or via mail? YES OR NO. Please give your answer here : ______________________________________________________________________________________________________________________________________ 2. Provide Evidence and Proof that the Offer does not make false, fictitious, fraudulent, and misleading statements thus possibly violating 18 U.S. Code 1001. ( Please see Exhibit A ) Please give your answer here : ________________________________________________________________.

3. Is the Offer an attempt to contract with me? YES OR NO. Please give your answer here : ____________________________________________________________.

4. Regarding the Offer, which dictionary and styles manual are you using? Please give your answer here : ________________________________________________.

5. Which language are you using on your Offer? Please give your answer here : _____________________________________________________.

6. Provide evidence and proof that in sending the Offer via the United States Postal Service does not constitute a mailing of a fraudulent claim and/or committing mail fraud.

Attach your evidence to this contract.

7. Provide Evidence and proof that my reply via the United States Postal Service does not bring you under the rules, regulations, and guidelines of the XXXX XXXX XXXX. See XXXX XXXX XXXX, XXXX by XXXX XXXXXXXX XXXX Attach your evidence to this contract. 

8. What specie will you accept or lawfully require as payment? Please see 18 USC 8 and then 31 USC 3124 and Article 1 Section 10 United States Constitution. Please provide your answer here : ________________________________________________________________________________________________________________________________________________________ See Below : Constitution section 1. Clause 10. ( No State shall enter into any Treaty, Alliance, or Confederation ; grant Letters of Marque and Reprisal ; coin Money ; emit Bills of Credit ; make any Thing but gold and silver Coin a Tender in Payment of Debts ; pass any Bill of Attainder, ex post facto Law, or Law impairing the Obligation of Contracts, or grant any Title of Nobility. ) ( 18 U.S. Code 8 ) The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. 

The reason XXXX refuses to answer the above questions is because they know that those questions will incriminate them and show that they are in violation of the law. 

I am requesting that the above questions are answered in a proper way. I am asking that XXXX show documentation that proves that their company policies override the laws that are put in place for the American people to conduct business in an honorable and lawful way. 

I would also like for XXXX to answer how the destruction of the security I sent to them and not applying it to the account is in any way lawful for them to do? Please see below : ( UCC 3-603 ) ( a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract. 

( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. 

( c ) If tender of payment of an amount due on an instrument is made to a person entitled to enforce the instrument, the obligation of the obligor to pay interest after the due date on the amount tendered is discharged. If presentment is required with respect to an instrument and the obligor is able and ready to pay on the due date at every place of payment stated in the instrument, the obligor is deemed to have made tender of payment on the due date to the person entitled to enforce the instrument.

( UCC 3-604 ) ( a ) A person entitled to enforce an instrument, with or without consideration, may discharge the obligation of a party to pay the instrument ( i ) by an intentional voluntary act, such as surrender of the instrument to the party, destruction, mutilation, or cancellation of the instrument, cancellation or striking out of the party 's signature, or the addition of words to the instrument indicating discharge, or ( ii ) by agreeing not to sue or otherwise renouncing rights against the party by a signed record. 

( b ) Cancellation or striking out of an indorsement pursuant to subsection ( a ) does not affect the status and rights of a party derived from the indorsement. 

( c ) As used in this section, " signed, '' with respect to a record that is not a writing, includes the attachment to or logical association with the record of an electronic symbol, sound, or process to or with the record with the present intent to adopt or accept the record. 

XXXX has not answered any of the questions provided in the exhibits included in the original letters mailed to them or the report filed with the CFPB. 

I would also like to note that XXXX is not lawfully able to bind me to color of law. This is exactly what they are attempting to do. Please see below : ( 18 U.S. Code 242 - Deprivation of rights under color of law ) Whoever, under color of any law, statute, ordinance, regulation, or custom, willfully subjects any person in any State, Territory, Commonwealth, Possession, or District to the deprivation of any rights, privileges, or immunities secured or protected by the Constitution or laws of the United States, or to different punishments, pains, or penalties, on account of such person being an alien, or by reason of his color, or race, than are prescribed for the punishment of citizens, shall be fined under this title or imprisoned not more than one year, or both ; and if bodily injury results from the acts committed in violation of this section or if such acts include the use, attempted use, or threatened use of a dangerous weapon, explosives, or fire, shall be fined under this title or imprisoned not more than ten years, or both ; and if death results from the acts committed in violation of this section or if such acts include kidnapping or an attempt to kidnap, aggravated sexual abuse, or an attempt to commit aggravated sexual abuse, or an attempt to kill, shall be fined under this title, or imprisoned for any term of years or for life, or both, or may be sentenced to death. 

I would also note that XXXX along with the credit reporting agencies are violating 18 USC 241 conspiracy against rights. It is clear with the amount of information provided to XXXX, Equifax and XXXX that they are working together to conspire under color of law to harm my name. Please see below : ( 18 U.S.C. 241 ) If two or more persons conspire to injure, oppress, threaten, or intimidate any person in any State, Territory, Commonwealth, Possession, or District in the free exercise or enjoyment of any right or privilege secured to him by the Constitution or laws of the United States, or because of his having so exercised the same ; or If two or more persons go in disguise on the highway, or on the premises of another, with intent to prevent or hinder his free exercise or enjoyment of any right or privilege so secured They shall be fined under this title or imprisoned not more than ten years, or both ; and if death results from the acts committed in violation of this section or if such acts include kidnapping or an attempt to kidnap, aggravated sexual abuse or an attempt to commit aggravated sexual abuse, or an attempt to kill, they shall be fined under this title or imprisoned for any term of years or for life, or both, or may be sentenced to death. 

What XXXX is requiring is in direct violation of my rights under the constitution and other applicable laws in the United States of America and in Each state according to the laws provided me. 

I would like to have a full report that shows how XXXX is not in violation of my rights. 

XXXX has not answered any of the questions provided in the exhibits included in the original letters mailed to them or the report filed with the CFPB. 

These questions need to be answered. If they can not be answered my wish to be granted is that XXXX properly discharge the debt and report accordingly. I am only asking for the laws to be respected on my behalf as they were intended to be. This is not a request that is too difficult for anyone to comply with. 

No, it is clear that the CFPB did not read any of my attached report as they closed this dispute once XXXX gave an answer. The answers that XXXX gave was clearly not in any way a proper response to what I am asking and to what was provided in the report. I seriously hope that the CFPB is not also conspiring with XXXX to allow them to continue unlawful business practices. 

It is also clear that companies like XXXX are trying to take advantage of consumers by using color of law and company policy that does in no way override the laws of the United States and the 50 States within. 

Please respond properly to what I am asking. I will take this all the way to filing lawsuits and will spend all my days trying to right this wrong.

Best XXXX XXXX XXXX