Consumer complaint received 2015-05-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (WI)

the XXXX bureaus have falsified my credit ratings in behalf of their clients after notice. they have made them money by doing so and costed me thousands of dollars in higher interest costs at XXXX and elsewhere as a result all after notice and documentation. the majority of these were falsified claims of credit and non payment of credit i never contracted for at all. this went on for years after documentation sent to the XXXX bureaus. Recently in the past few months most of these were removed by said companys and or their associates in fact but only after i paid lexington law for months to file demands to cease and decist in my behalf costing me hundreds of dollars. 
XXXX falsified credit agencys and the XXXX credit bureaus still maintain falsified information by fraudulent representation and mailfraud and or wirefraud after notice. 
XXXX eminates from XXXX who after notice billed me for services i did not receive and said they did not care if it was a fraudulent billing and my non reciept and or use of the electricity at XXXX XXXX XXXX. i pay all my bills that are legitimate bills this was not and was not after notice that i did not contract to pay others electric bills. this property is owned by me and was stolen and used without my consent and without any court orders and or warrants by the state of wisconsin and county of XXXX its agents and associates in fact and XXXX XXXX and XXXX XXXX who apparently used the services and did so without my consent and or approval aided by criminal officials. ( the taking of the properties and unlawful XXXX is on audio tape and undeniable otherwise as a matter of law. XXXX and its collection agency decided to charge the fabricated bill off just to ruin my credit as retaliation for enforcing my rights the bureaus refused to remove it and refused to make a legitimate record and investigation regarding it after i complained no legitimate responsive answer was forthcoming in detail. this has been since aproximately 2009. 
XXXX there is another XXXX reported in behalf of XXXX by its collection agency. this again is retaliatory for enforcing rights regarding their refusal to provide services and then charged for after false advertising to get me to try their services. this failure to provide services as claimed initially voided the contract. further they failed and or refused to fix problems with the service that made the service unusable. further when i refused to pay for their services not rendered they charged me for same and or threatened and i removed it and sent back the XXXX parts requested and i owe nothing for any services not provided per contract and by fraudulent inducements to get their product advertised on t.v. further i spent more time trying to correct the problem with said company time and time again that i just did not want something that did not live up to the representations made. bottom line i paid for all services rendered and then some and wont pay for services i did not get and should not have to as to the fraudulent inducements advertised and not provided. 
After all this my credit score is still not reported correctly as the XXXX bureaus have not taken into consideration the lowering of my credit score unlawfully now as a matter of record caused me to try to obtain credit many times for the same things which they still continue to false claim lower credit for. for example multiple requests for credit to XXXX and others droping my credit below their limits and denying credit by fraudulent manipulation based on their own wrong doing and their associates in fact. 
further i had to max my credit card out at XXXX due to the fabricated credit reports and the ignoring same by said companys herein related and now they claim my credit is bad but they caused it.