Consumer complaint received 2024-06-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Compensation is sought in this complaint. Consumer reporting agencies are required to follow reasonable procedures to ensure credit reports are as accurate as possible under 15 USC 1681e ( b ). Consumer reporting agencies must conduct a reasonable reinvestigation if a consumer disputes the accuracy or completeness of any information contained in a credit report, 15 USC 1681i ( 1 ) ( A ). According to the attached credit report, there are several inaccuracies, including information from XXXX  that contradicts information from XXXX and XXXX. Under section XXXX, inaccurate information means that it is factually inaccurate, as determined by the court in XXXX XXXX XXXX XXXX XXXX. As a result of my job requiring a security clearance, I have been injured, because the inaccurate, information thats been disputed on numerous occasions has not been properly investigated by XXXX and has destroyed my character, and likely would cause continuous damage to my career. For my credit report to be accurate, it must contain accurate information. XXXX is not granted the discretion to overlook legitimate disputes at its desire under any part of the law. Here, XXXX lied to the CFPB about investigating as shown by the attached credit report. Consumer reporting agencies, such as XXXX, are legally obligated by current law to follow reasonable procedures to ensure credit report accuracy. This includes conducting a reasonable investigation if a consumer disputes the accuracy or completeness of any information. Failing to fulfill these obligations can result in legal consequences, as inaccurate information can have significant consequences for individuals, such as the loss of job opportunities or unjust denial of credit. See XXXX XXXX. XXXX XXXX XXXX XXXX XXXX ( holding that liability for Willfully failing to comply with the FCRA extends not only to acts known to violate the FCRA, but also to the reckless disregard of a statutory duty. See Exhibit No. XXXX ( XXXX credit Report ) also see Exhibit XXXX ( XXXX XXXX to report even my name correctly ) XXXX XXXX Account # XXXX XXXX. Violation - Date XXXX is incorrect should be XX/XX/XXXX. XXXX. Violation High Credit shows XXXX. 
XXXX. Violation No last XXXX or XXXX last payment are being recorded. 
XXXX. Violation account shows late payment in XX/XX/XXXX, XXXX shows no recording of a last payment, XXXX and XXXX show a late payment in XXXX, conflicting information between the XXXX major credit reporting agencies are indisputable evidence the information is report inaccurate, in direct violation of the FCRA. 
XXXX. Violation this account has been disputed XXXX time once being with the CFPB which is now with the FDIC for violation of the Military Lending Act XXXX XXXX XXXX, XXXX, and XXXX shows {$XXXX} over the credit limit being the High Credit, which make my complaint with the CFPB about XXXX XXXX true. XXXX XXXX told the CFPB they did not violate the XXXX but {$XXXX} over the credit limit in interest charges is XXXX % interest according to the MAPR ( Military Annual Percentage ) and violate the XXXX XXXX % MAPR cap. 
XXXX. Violation account type blank. This is because XXXX understands there is no late payments on this type open-end credit plan ( credit card ). XXXX XXXX XXXX ( b ) late payments are prohibited by law on this type of account. 
XXXX. Violation XXXX  never investigated ; therefore, it is impossible for them to know if XXXX XXXX mailed a notice 21 days before payments was due which is mandated by XXXX XXXX XXXX ( b ) I have never received any correspondence from XXXX XXXX, not only were they over charging in violation of the XXXX but they were also in violation of not distributing XXXX disclosures, as required by XXXX XXXX XXXX. 
XXXX. Violation XXXX shows this account 30 days late in XXXX. XXXX and XXXX show the account late in XXXX, XXXX has no data for last payment and couldnt possibly know whether the account was late or not. As XXXX XXXX and XXXX changes the due date XXXX follows and neither agency investigates. 
XXXX holds XXXX liable for willful noncompliance of not less than {$XXXX0} and not more than {$XXXX}. See XXXX XXXX XXXX, XXXX ( Holding that the FCRA made the dissemination of materially false information in consumer reports an injury in fact ) XXXX XXXX Account # XXXX, XXXX, XXXX, XXXX These accounts were all procured by Identity Theft, and Fraud in the inducement. XXXX XXXX took my personal information and assigned for these accounts in my name. XXXX claimed they obtained a XXXX Attorney to sign on my behalf. This is false, I have never given them any such authority. XXXX has ignored the FTC Identity Theft XXXX XXXX does not have the legal authority to omit any allegations of Identity Theft. Nor do XXXX  have the authority to play lawyer for XXXX XXXX. The law direct XXXX  to block the accounts alleged to be procured by Identity Theft. See Exhibit No. XXXX ( contract illegally signed by an unknown attorney. I did not give XXXX a XXXX of Attorney to have no Attorney sign anything for me. Also see Exhibit No. XXXX FTC Identity Theft XXXX. The XXXX requires XXXX  to block this account within XXXX business days of receiving the FTC XXXX. Violation XXXX. XXXX continues claims of relying on the creditor word in a reinvestigation after the creditor is accused of being involved is not the correct approach to attacking the legal validity of consumer debt. XXXX XXXX v. XXXX XXXX XXXX, XXXX XXXX1,68 ( 1st Cir.2008 ) 15 USC. Section 1681c-2 directs the credit bureaus to block the information alleged to be identity theft, period. A predatory lender has no problem taking someone to court and suing for a legitimate debt owed to them, even if the consumer cant afford to pay. This matter is no difference, American law allows a company to sue if someone uses the law in bad faith, the law does not permit a credit reporting agency to play Judge and jury and disregard the law, because the factual evidence does not favor the creditor, and credit reporting agency. The accounts are identity theft, and XXXX  has violated their mandate by assisting the violators causing additional harm to me. I have no problem going to XXXX XXXX showing my evidence, that it's in fact Identity Theft! There is no reason to try and evade the judicial process and undermined the constitution. 
XXXX XXXX Bank XXXX Account # XXXX XXXX. Violation account type blank. This is because XXXX understands there is no late payments on an open-end credit plan for a credit card. 15 USC 1666 ( b ) late payments are prohibited by law on this type of account.

10. Account showing Open XXXX closed the account in retaliation because I filed an action against them for violation of the Military Lending Act 10USC 987. Any violation of the MLA voids a promissory note or contract in its inception, the balance must be paid back but at a 0 % interest rate the FDCPA prohibits retaliation and holds the perpetrator liable for {$XXXX} per violation. Therefore, I will file another action against XXXX. The XXXX permits compensation of not less than {$XXXX} per Illegal transaction. 
XXXX Violation XXXX  show me 30 days late in XX/XX/XXXX but reports a payment of {$XXXX} was paid on XX/XX/XXXX, XXXX, and XXXX information conflicts. 
XXXX. Violation XXXX never investigated ; therefore, it is impossible for them to know if XXXX mailed a notice 21 days before payments was due which is mandated by 15 USC 1666 ( b ) I have never received any correspondence from XXXX, not only were they over charging in violation of the XXXX but they were also in violation of not distributing XXXX disclosures, as required by 10 USC 987.

13. Violation 15 USC section 1605 - Determination of the XXXX XXXX. Under 10 USC 987 ( Military Lending Act ), XXXX was required and paid to me a refund of {$XXXX}. Finance charge is the sum equal to the sum of all payments. There have been no adjustments to my credit report of the payment made by XXXX. XXXX violated federal law for years, so the account can not have been reporting correctly if XXXX was required by law to pay me {$XXXX} (. See exhibit No. XXXX ( XXXX refund check ) XXXX XXXX XXXX XXXX XXXX ( holding credit reporting practices must utilize accurate, relevant, and current information in a confidential manner. Also see XXXX XXXX XXXX XXXX XXXX ( Holding any inaccurate information in a consumer report supports a FCRA claim ) XXXX, XXXX and XXXX all show conflicting information on this account, this is indisputable evidence the information is being reported duplicitous. Its impossible for me to have been late in XXXX XXXX is reporting a {$XXXX} on XX/XX/XXXX. I paid {$XXXX} in XXXX after the billing cycle therefore XXXX payment was satisfied, I wouldnt have been late for XXXX until XXXX XXXX XXXX payment was paid on the due date of XX/XX/XXXX, See exhibit No XXXX XXXX payment history also See Exhibit XXXX Bank XXXX showing XXXX Payment was made long before the due date. 

XXXX XXXX XXXX Account # XXXX Violation Type of account is Blank. 
XXXX. Violation Open date show XXXX/XXXX/XXXX the correct open date is XX/XX/XXXX, XXXX changed this date to coincide with the next violation XXXX Violation, by using my personal information to extend the terms illegally, XXXX  assisted XXXX XXXX XXXX in committing Identity Fraud by erasing Terms and showing XXXX. XXXX XXXX XXXX illegally tacked on {$XXXX} to a paid account using my credit report as a tool. This forced me to pay XXXX additional payments and {$XXXX}. In accordance with XXXX XXXX XXXX XXXX XXXX XXXX, I am a covered member. It was a XXXX contract with a XXXX % interest rate with XXXX XXXX. XXXX XXXX XXXX erred in the contract because there were XXXX payments of {$XXXX, XXXX for prepaid finance charges and another for processing fees. According to the XXXX, the total sum must be calculated within the MAPR ; the addition of {$XXXX raised the XXXX to XXXX  %. See Exhibit No. XXXX The MAPR is capped at XXXX  % by the XXXX. Due to XXXX 's involvement in erasing the terms and not investigating the determination of the finance charge, per 15 USC 1605, I surrendered eight additional payments, seven  at XXXX and XXXX at XXXX, after XXXX XXXX XXXX posted this to my account to force me into default. When I paid the XXXX, XXXX XXXX XXXX placed a {$XXXX} charge on my account, and when I paid it, they placed another {$XXXX} to force a late payment. As a result of these illegal actions by XXXX and XXXX XXXX XXXX, I was charged an additional {$XXXX}. XXXX XXXX XXXX reported these charges to the CFPB as additional charges and finance charges. According to XXXX XXXX XXXX, they are not subject to the XXXX federal law since they are not payday lenders. In addition to Discover, I have filed actions against XXXX XXXX Bank, XXXX XXXX Bank, and XXXX XXXX. None of whom are payday loan companies. XXXX XXXX XXXX XXXX, the XXXX applies to all creditors. Due to this highly illegal action taken by XXXX and XXXX XXXX Financial, the XXXX has been increased from an already unlawful XXXX  % to XXXX  %, See exhibit No. XXXX ( XXXX ). I am entitled to a refund of all payments made, and not less than {$XXXX} per illegal transaction, for a total of approximately {$XXXX} under XXXX XXXX XXXX. See Exhibit No XXXX ( XXXX ) The increased MAPR of XXXX % not only amplifies the financial burden on the covered member, but it also exacerbates the predatory nature of the loan agreement. See Exhibit No. XXXX ( XXXX XXXX Financial Contract XXXX and XXXX XXXX Financials unlawful actions violated federal laws but have also caused significant harm to a federally covered member 's economic well-being. XXXX XXXX financial has a tirade of Actions against them for stealing and deceitful, including cold callous and indescribably cruel predatory lending scandals. A pending XXXX mandate by the CFPB, class action XXXX for violating the military lending act, see XXXX XXXX XXXX Main XXXX. XXXX and XXXX XXXX XXXX knows the law well enough to violate it, and egregiously challenge a consumers ability to file an action against them. Therefore, their continuous violations validate the continuous actions being filed against them. 
XXXX. Violation XXXX have evidence in their system this loan originated on XX/XX/XXXX they have in their system that the loan contract was for 60 months. XXXX  deleted the terms to assist XXXX XXXX XXXX in XXXX to extract the funds. 
XXXX, Last report, last active, and last payment all show XX/XX/XXXX XXXX. Violation Payment history shows an XXXX for XXXX. This Is indisputable evidence XXXX  was fully aware of what they were doing failing to investigate. 
XXXX. Violation this account was not only reported to the CFPB but also report to the FTC as Identity Theft XXXX ignored the FTC XXXX  which the FCRA requires XXXX to block the accounts within XXXX working days. Id Theft is defined as use of someone personal information for illegal financial gain. 
XXXX. Violation Upstart Reported as ID Theft, XXXX ignored the FTC XXXX XXXX No. XXXX This account was reported as Identity Theft. I received an email on XX/XX/XXXX from Upstart stating they would not handle my Identity Theft issue and a bank named XXXX XXXX XXXX XXXX made the loan to me. The number ( XXXX ) XXXX was used to contact this bank on XX/XX/XXXX at XXXX. Using my SSN, I asked the XXXX to check twice, and she replied that they had no record of me having received a loan. After waiting an hour, I called back, and this time I got a bank representative, who told me that XXXX was XXXX of their brokers, but no loan had been issued to me by their bank. XXXX ignored the Identity Theft XXXX and did not investigate. The Identity Theft XXXXt is a crucial document in the investigation process as it serves as a formal declaration from the victim stating that their identity has been stolen. It helps to establish a clear record of the incident and provides important information for law enforcement and other entities involved in resolving the case. By disregarding the Identity Theft XXXX and failing to conduct a thorough investigation, XXXX  not only violated legal requirements but also undermined the victim 's efforts to rectify the situation and seek justice. 
XXXX Account # XXXX XXXX. Violation account shows 30 days late for XX/XX/XXXX all three credit bureaus have conflicting information on a late payment, indisputable evidence the information is inaccurate. XXXX directed me to contact the credit bureaus who were reporting the incorrect information ; therefore, I closed the account. 
XXXX. Violation Credit bureaus play a crucial role in safeguarding consumer credit information by collecting and maintaining credit data from various sources. Their responsibility is to accurately report this information to lenders and other authorized parties. However, when credit bureaus neglect to thoroughly investigate and verify the accuracy of a consumer 's credit report within the allotted time, it can result in serious damage to the individual 's reputation and financial well-being. 
XXXX. Violation Account Type is blank, this was a XXXX credit card issued by XXXX XXXX Bank, This is because XXXX understands there is no late payments on this type open-end credit plan. 15 USC 1666 ( b ) late payments are prohibited by law on this type of account. Therefore they deleted the account type. 
25. Violation Date last Activity Blank 26. Violation Date last Payment Blank 27. Violation XXXX  never investigated the XXXX credit card ; therefore, it is impossible for them to know if XXXX mailed a notice 21 days before payments was due which is mandated by XXXX XXXX XXXX ( b ), I have never received any correspondence from XXXX or XXXX XXXX XXXX. Violation Section 623 ( a ) ( 6 ) ( FCRA ) XXXX  and the creditors were informed by me of the alleged ID theft, XXXX ignored the FTC XXXXt XXXX. Violation Section XXXX ( b ) XXXX is required by law to follow reasonable procedures to assure maximum possible accuracy of the information. When XXXX fails to even conduct a preliminary investigation the law and my rights have been violated. 
XXXX. Violation Section 611 ( c ) of FCRA provides, whenever a statement of dispute is filed the consumer reporting agency shall, in any subsequent consumer report containing the information in question, clearly note that it is disputed by the consumer and provide that it is disputed by the consumer and provide either the consumer statement or a clear and accurate codification or summery thereof. 
XXXX. XXXX XXXX XXXX has been disputing several time, numerous inaccuracies remain and no information in question assigned to the account. 
XXXX. XXXX XXXX XXXX XXXX has been disputing several time, numerous inaccuracies remain and no information in question assigned to the account XXXX. Violation account XXXX XXXX XXXX has no statement of dispute or Identity Theft XXXX. Violation FCRA section 605B ( 15 USC 1681c-2 violation A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than XXXX business days. XXXX has failed to follow this law because they know the truth but feel dedicated to protecting the unlawful acts by using their position to hold someone credit report as collateral to ensure the unlawful payments are made. 
XXXX XXXX violation XXXX X accounts reported by FTC XXXX as ID Theft XXXX  XXXX the report. The allege creditor also ignored the report. See XXXX XXXX XXXX XXXX. Solutions, XXXX ( Holding concrete harm XXXX be shown by FCRA violation that causes the consumer to suffer Harm which XXXX sought to prevent when it enacted the FCRA ) BLUF : If XXXX believes the creditor, they're protecting is right in signing fraudulent loans in my name through an unknown attorney, and the law does not see this as Identity Theft, Or XXXX contribution to the theft of money by XXXX Main Financial. It would be appropriate for XXXX to serve as a witness for these creditors in XXXX XXXX. The FCRA requires XXXX to comply, and if they refuse, a jury can decide what should be done. A remedy to a factual dispute has already been made available to both parties by XXXX.