Consumer complaint received 2024-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I XXXX XXXX XXXX ; in XXXX XXXX, Affirm under penalty of perjury under the laws of the United States of America that this statement is true and correct ; Dear XXXX, XXXX, EQUIFAX & XXXX XXXX CEO of XXXX XXXX XXXX, XXXX XXXX President of XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX President [ s ] and CEOs Of Entity [ s ] Mentioned ; I Have no knowledge of this Account [ s ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ALL MENTIONED Debt Collectors, Data Furnishers, Entitys, Persons ARE VIOLATING Code [ s ] 15 U.S. Code 1611 - Whoever willfully and knowingly ; ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S. Code 1681n - Civil liability for willful noncompliance ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both.

42 U.S. Code 1983 - Civil action for deprivation of rights 42 U.S. Code 1985 - Conspiracy to interfere with Civil Rights 15 U.S. Code 1681 ( b ) ( 2 ) - any Consumer reporting agencies may furnish a Consumer Report under the filling circumstances and NO OTHER : in Accordance with written instructions of the Consumer to whom it relates 15 U.S.C 1681 ( a ) ( 4 ) - There is a Need to insure that Consumer Reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers rights to privacy 15 U.S. Code 1681 ( e ) ( a ) - Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.

15 U.S. Code 1692e - False or misleading representations 15 U.S Code 6801 - Protection of non public personal Information I Have never Signed a Contract with you or your Company [ s ] I did not give any written instructions to furnish my account to XXXX XXXX CEO, of XXXX XXXX XXXX or XXXX XXXX President of XXXX XXXX XXXX XXXX or, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in accordance with 15 U.S.C 1681 Section 604 ( a ) ( 2 ) ALL Mentioned Accounts is Security Fraud ; & Void ab initio! I Request proof of a Certified Copy of the Promissory Note Sent to me Registered Mail ; WITH BOTH PARTIES WET SIGNATURE ; I request proof of The Original Copy of the Contract Showing both parties Wet Signature, I request proof of Validation of Debt, Show me any Written instructions I Signed giving the Mentioned Data Furnisher, Debt Collectors, Agencies, Corporations etc Authorization to Furnish my Consumer File. Failure to provide Documents with My Living Signature and the Mentioned Partys Living Signature will approve that Accounts/ Files Mentioned are Security Fraud ; & Void ab initio!

I ORDER these fraudulent accounts to be removed immediately from my consumer report file with Compensation : Any Contracts that Have my Name, image likeness, or Private Information without my permission and written consent is Security Fraud ; & Void ab initio! 15 U.S.C 1681 section 602 ( a ) ( 2 ) - States I have the right to privacy ; 15 U.S. Code 1681 ( e ) ( a ) - Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title. 

Now that you have been notified that this information is inaccurate, I XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, & you XXXX XXXX CEO, of XXXX XXXX XXXX XXXX XXXX XXXX President of XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXXXXXX XXXX XXXX to Immediately Delete this account XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, with Equitable Relief from my Consumer Report in accordance with 15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. as ALL Afiied Files Mentioned has damaged XXXX XXXX XXXX ; image, name, likeness, reputation and also damaged me physically and Emotionally since the report appeared For the Record ; I Request proof of a Certified Copy of the Promissory Note ; WITH BOTH PARTIES WET SIGNATURE ; I request proof of The Original Copy of the Contract Showing both parties Wet Signature, I request proof of Validation of Debt, Show me any Written instructions I Signed giving the Mentioned Data Furnisher, Debt Collectors, Agencies, Corporations etc Authorization to Furnish my Consumer File. Failure to provide Documents with My Living Signature and the Mentioned Partys Living Signature will approve that Accounts XXXX XXXX XXXX, XXXX XXXX XXXX, is XXXX XXXX ; & Void XXXX XXXX! I am demanding Account names : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mentioned to be Deleted immediately, all consumer reporting agencys and 3rd partys corporations to delete all unauthorized consumer reports stated above, from my file immediately!!

I also Demand that I be Compensated for my Damages and {$1000.00} XXXX XXXX Dollars for each Violation In Accordance with 15 U.S. Code 1611 - Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or XXXX  not more than one year, or both. By all consumer reporting agencys and 3rd partys corporations to Pay to the order of : XXXX XXXX XXXX Please Mail Payment to : XXXX XXXX XXXX XXXX XXXX, Tx XXXX

Company response to consumer: Closed with explanation