Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this formal grievance against Equifax for its failure to enforce debt validation procedures and for allowing unauthorized use of my consumer report in violation of federal consumer protection laws and international protections afforded to XXXX XXXX XXXX nationals. 

As a XXXX XXXX XXXX XXXX, I am not subject to the jurisdiction of corporate entities misapplying statutory regulations against me. Equifaxs actions constitute violations of my inherent rights under treaty law, constitutional law, and consumer protection statutes, including but not limited to the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and international human rights treaties. 
1. Failure to Enforce Debt Validation ( Violation of 15 U.S.C. 1681, 15 U.S.C. 1692g, and Treaty Law ) Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), Equifax is required to conduct a reasonable reinvestigation of disputed information and ensure that any debts reported on my consumer file are verified with documented proof. Despite my disputes, Equifax failed to obtain documented validation of the debts from the alleged creditors and instead allowed unverifiable and potentially fraudulent accounts to remain on my report.

Furthermore, under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), a debt can not be lawfully collected or reported without proper validation, including : ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor ; Failure to provide this documentation constitutes a violation of due process and consumer rights, and Equifax is negligently facilitating fraud by allowing unverified accounts to remain in my report. 

Additionally, under The Treaty of Peace and Friendship between XXXX and the United States ( XXXX, XXXX ), as a XXXX XXXX, I am to be afforded all due protection under law, including protection from unlawful financial practices that violate my indigenous and sovereign status.

Legal Support : 15 U.S.C. 1681i Obligation of credit reporting agencies to conduct a reasonable reinvestigation.

15 U.S.C. 1692g Requirement for debt collectors to provide validation upon request. 
Treaty of Peace and Friendship ( XXXX, XXXX ) Affords protection from unlawful foreign financial impositions on Moors. 

XXXX. Unlawful Use of Consumer Report ( Violation of 15 U.S.C. 1681b & 18 U.S.C. 1028 ) Equifax has allowed unauthorized entities to furnish information to my consumer report without my consent or proof of a lawful financial obligation. This constitutes an unauthorized use of my consumer report, in direct violation of : 15 U.S.C. 1681b ( Permissible Purposes of Consumer Reports ) No entity has the right to access or furnish information on my consumer file without legal authorization, which requires my express written consent. Equifax has failed to provide any evidence that I authorized the reporting of these disputed accounts.

18 U.S.C. 1028 ( Fraud and Related Activity in Connection with Identification Documents ) The unauthorized use of my personal information by furnishers and Equifax is a criminal offense and must be investigated. 

Further, as a Moorish American national with recognized sovereign rights under international law, I do not operate within the jurisdiction of private corporate agencies. Equifaxs unauthorized actions constitute a breach of trust and a misrepresentation of my status under international protections. Legal Support : 15 U.S.C. 1681b Restricts credit agencies from using consumer reports without authorization. 18 U.S.C. 1028 Criminalizes unauthorized use of identity information. International Covenant on Civil and Political
Rights ( ICCPR, Art. 17 ) Protects individuals from unlawful interference with privacy.

Universal Declaration of Human Rights ( Art. 12 ) Affirms the right to be free from arbitrary interference with personal affairs.

3. Negligent and Unreasonable Investigation Process ( Violation of 15 U.S.C. 1681i and Due Process Rights ) Equifaxs reliance on the furnishers unverifiable responses, without obtaining substantive validation, does not meet the standard of a reasonable reinvestigation under 15 U.S.C. 1681i. The law requires Equifax to obtain meaningful verification, not merely accept automated responses from data furnishers.

Additionally, Equifaxs failure to address my dispute properly violates my right to due process under the Fifth and Fourteenth Amendments to the U.S. Constitution and constitutes an unfair and deceptive trade practice under 15 U.S.C. 45 ( FTC Act ).

Legal Support : 15 U.S.C. 1681i Requires consumer reporting agencies to conduct a reasonable investigation.

15 U.S.C. 45 Prohibits deceptive and unfair business practices.

U.S. Constitution, Fifth & Fourteenth Amendments Protects against unlawful deprivation of rights without due process.

Requested Corrective Actions : 1. Immediate Debt Validation : Equifax must provide verifiable proof from each alleged creditor showing the original signed agreement and legal authority to collect or report the debt. If no validation is provided, all disputed accounts must be deleted immediately.

2. Investigation of Unauthorized Use : The CFPB must investigate Equifaxs failure to safeguard my consumer data against unauthorized reporting and use, particularly regarding furnishers lacking legal authority to report accounts under my name.

3. Regulatory Enforcement and Sanctions : I request that the CFPB take appropriate enforcement action against Equifax for its continued violations of consumer rights and international protections afforded to Moorish American nationals.

4. Written Confirmation of Corrective Action : I require a formal written response detailing the actions taken to rectify these violations, along with supporting documentation proving that my disputes were properly investigated and resolved in compliance with the law.

Failure to comply with these requests will result in further legal action, including filing a formal complaint under international human rights law and consumer protection regulations. 

All Rights Reserved.

Company response to consumer: Closed with explanation