Consumer complaint received 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
Consumer Dispute Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Attention : Credit Bureaus XXXX, XXXX, and Equifax Attention : Federal Trade Commission Attention : Consumer Finance Protection Bureau Consumers Objective : Full Testimony of the Fraudulent Actions of XXXX XXXX XXXX ( XXXX, XXXX  ) and XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) In XX/XX/XXXX, XXXX XXXX XXXX closed down its doors and filed for bankruptcy. Despite this motion, XXXX XXXX actions continue to damage consumers. XXXX XXXX XXXX and XXXX XXXX  are viewed by the public as unethical, pragmatic, and predatory. I, XXXX XXXX XXXX, am one of the many of XXXX consumers which have fallen prey to their scam. The following is a full submitted account against XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX and their predatory affiliate XXXX XXXX XXXX XXXX XXXX XXXX 

XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX claiming to consumers they can lower their electricity bill low as XXXX [ XXXX XXXX XXXXXXXX. ] In their first years XXXX XXXX boasted claims toward clients ability to earn and receive tax breaks, receive energy credits for producing energy. Promises made to over XXXX clients in XXXX XXXX XXXX XXXX  to never come to fulfillment. 
XXXX XXXXConsumer met with XXXX XXXX founders XXXX and XXXX XXXX XXXX their primary location near XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Former XXXXXXXX XXXX agent XXXX XXXX facilitated the contract at my residence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. Wife of Consumer, XXXX did not find the interview with XXXX XXXX agent XXXX XXXX honest and clear. 
As salesman from XXXX XXXX XXXX, XXXX XXXX XXXX used highfaluting words [ XXXX  ] during presentation of contract. Promises gesturing of 1. tax returns 2. energy credits from the city 3. lifelong commitment to the client. To this day, the actual result shows the consumer still paying regular utility bill amount in addition to expense margin doubled because of XXXX XXXX. This predatory loan lead to further series of unfortunate inconveniences that increased hardship and financial embarrassment. 
After the first XXXX months from XXXX, the loan payments increased beyond personal affordability. consumer felt undeniable waves of buyers remorse, like text-book example of was baited and switched into a false reality they promised. [ Baited and Switching Loan Terms. ] XXXX XXXX XXXXXXXX and XXXX XXXX XXXX, Scam. 
During the XXXX XXXX, consumer sought for any effort of correspondence from XXXX XXXX. Unbeknownst to consumers personal awareness, the entire company took an unannounced hiatus for " XXXX months. '' As a direct result of their decomissioned web portal ( XXXX  ) consumer no longer could render payments on time. 
( continued ) This became a legit concern towards personal credit and wellbeing ; furthermore, no effort on XXXX XXXX end came through for almost a year. This silence from XXXX XXXX continued for XXXX months. Their former website domain ( XXXX ) shut down, and consumer XXXX XXXX was stripped from his ability to pay on time [ Predatory Scam ]. 
XX/XX/XXXX Consumer XXXX XXXXXXXX went to track them down to discover XXXX XXXX newly relocated campus the higher and posh side of XXXX, Arkansas referred to as XXXX XXXX. Their former location beside XXXX stood now deserted. After the XXXX receded, The Branch Manager explained that the company underwent a restructure. She also explained they ex-communicated and terminated their former agent ( XXXX XXXX ). XXXX XXXX XXXX, dishonorably discharged from XXXX XXXX XXXX for 'puffing up ' for collecting extra commission beyond XXXX  XXXX legal scope of practice. This unfortunately did not cover the low level of communicating to their clients. Even banks show understanding of sending a simple memo to their account holders for compliance practices. 
Consumers reply to XXXX XXXX branch manager, Glad you got rid of him. But how does that solve my predatory contracted loan? The Branch Manager of XXXX XXXX replied, Im sorry but theres nothing we really can do. This proved nothing but massively discouraging. In the same hour of leaving their campus XXXX XXXX called the consumer via cellphone. For seeking recovery from this predatory contract, XXXX XXXX XXXX gave the consumer stern warning to never return to their campus ; furthermore, they heavily implied to use any legal action necessary if the consumer returned to their newly relocated campus in XXXX XXXX, XXXX. 
Another call came later the same day, but it was XXXX XXXX  calling consumer XXXX XXXX. The consumer hoped this call would prove enough reason for relief. Just to hear from someone would have been great. Unfortunately XXXX XXXX  infuriated the consumer to new unfounded levels of heartache and rage. XXXX XXXX  called the consumer to inform that his account was Charged Off. Even if the means of paying on time was taken away, XXXX XXXX  would not hear the consumers perspectives on logic. Logically, if the consumer had no means to pay then how could the consumer be held at fault? 
XXXX XXXX  campus is in XXXXXXXX XXXX, while the consumer XXXX XXXX resided in XXXX XXXX. And XXXX XXXX  website no longer took payments. 
( continued, portion of page left blank intentionally ) XXXX Frequent episodes of XXXX XXXX  XXXX Collections XXXX XXXX contacting the consumers family members ( my mother, wife, ) and demand payment with stern violent tones, even while on the clock. [ coercive calling the consumer during employment ] Frequent and excessive harassment levels from XXXX XXXX  Senior Collections XXXX XXXX He can be reached at [ XXXX ]. Just ask for the XXXX Department. 
FCRA Regulation 5, TILA regulation Z, and the CFPB describes legal practices of lenders and certain violations to avoid. XXXX of XXXX XXXX  showed his lack of awareness and violated them. 
In review, my means of paying on time was cancelled. No one in XXXX months during the pandemic returned my calls. Then after the pandemic recession they called to inform me that my account was Charged Off. The consumer had to endure and tolerate harassment calls per XXXX of XXXX XXXX  badgering and demanding consumer to Pay your XXXX XXXX XXXX BILLS ON TIME. This occurred frequently during hours of employment per consumer, XXXX XXXX. 
Trying to Move On.. 
To this day XXXX XXXX  denies the consumer access to XXXX XXXX  client payment information. When upon finding their new location in XXXX XXXX, XXXX, the branch manager, XXXX XXXX, XXXX probably in her late XXXX came out to meet the consumer, who sought to explain the consumer 's account fraudulently Charged Off. 
-Puffery on any media platform i.e. public radio -Baiting and Switching contract terms - Stripping Consumer from means of making timely payments -Coercive Calling the consumer, demanding payment while on the clock -Dishonest advertising with false claims i.e. tax credit returns Other former clients of XXXX XXXX XXXX post their similar experiences of this scam on XXXX. Experiences that expressly mirror my horrific experience with XXXX XXXX. Other sources include XXXX who announced XXXX XXXX finally went bankrupt. Despite this glad tidings, they are still continually racking up complaints on online. 
( portion of page left blank intentionally ) In Conclusion There appears enough ETHICAL and LEGAL consideration to contest against XXXX XXXX and XXXX XXXX fraudulent yet PREDATORY actions. 
These Scam Artists have indeed violated the consumer of his federal protected rights. 
Violating FCRA can result in various penalties, depending on the nature and severity of the violation : i.e. Inconsistent and inaccurate credit reporting across all three Credit Bureaus. 
Civil penalties : The Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) can impose civil penalties ranging from hundreds to thousands of dollars per violation. These penalties are determined based on the severity and frequency of the violation, the impact on consumers, and previous violations. 
Actual damages : Consumers harmed by an FCRA violation can seek actual monetary damages, including financial losses ( e.g., credit denial costs, higher interest rates ) and non-economic damages ( e.g., emotional distress, reputation damage ). 
Punitive damages : In cases of willful non-compliance, courts may award punitive damages to punish the violator ( XXXX XXXX and XXXX XXXX  ) and deter similar behavior. 
Injunctive relief : A court can grant injunctive relief, compelling the violator ( XXXX XXXX and XXXX XXXX  to cease unlawful conduct and take corrective actions to comply with the FCRA. This can involve implementing policies and procedures, training employees, and monitoring credit reporting activities. 
Criminal penalties : In rare cases of intentional and willful violations, criminal charges may be brought, potentially leading to fines and imprisonment.

11 U.S.C. 507 ( a ) ( 7 ) : Consumer Deposits : .This applies to claims of individuals for deposits made in connection with the purchase, lease, or rental of property or services for personal use that were not delivered or provided. [ False Claims per XXXX XXXX ] ( portion of page left blank intentionally ) Legal Resolve on behalf of consumer I, XXXX XXXX XXXX the consumer, seek full legal recovery to the sole and certain outcome described as the following : From the willful and damaging actions from XXXX XXXX and bank affiliate XXXX XXXX who proved pragmatic, unethical, and predatory - 1.Nature of Lending proved Predatory - full dismissal from loan obligation must be granted.

2. Immediate and Complete Expungement of Charge Off Status on all Credit Reports In its entirety from the predatory actions of XXXX XXXX. Charge Off status must be immediately removed from all credit reports ( but not limited to ) of the consumer. : XXXX XXXX and Equifax. and third credit reporting parties like XXXX XXXX and XXXX XXXX. 
3. Due to the cruel levels of harassment and hardship resulting from XXXX XXXX and XXXX XXXX predatory actions, Including the high volume of clients still grieving from the damages from XXXX XXXX XXXX, the consumer gests in full support for the motion of incarceration of the founders of XXXX XXXX XXXX and XXXX XXXX and XXXX XXXX XXXX XXXX. 

To the best of my ability and clear mind and conscience, I hereby submit my testimony against XXXX XXXX XXXX, against XXXXXXXX XXXX. May no one else have to suffer from such scam artists like these ever again. 

In Him, XXXX XXXX XXXX XXXX - [ SCAM ] XXXX XXXX  - [ Predatory Lender ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX, XX/XX/XXXX ). 
CFPB Issues Largest Penalty for Fair Lending Violations. 
Fair Lending Guidance and Disclosure Requirements XXXX XXXX XXXX XXXX. FTC on predatory lending violations ( XX/XX/XXXX ) Predatory Lending Practices in the XXXX  XXXX  XXXX XXXX XXXX XXXX.. Protecting veterans from predatory loans ( XX/XX/XXXX ) CFPB to distribute nearly {$6.00} XXXX to consumers harmed by predatory loans to veterans XXXX XXXX XXXX XXXX. Fair Credit Reporting Act on Predatory Lending ( XX/XX/XXXX ) XXXX XXXX, Federal Debt Collection Practices Act and TILA Z XXXX XXXX XXXX End of Report

Company response to consumer: Closed with explanation