Consumer complaint received 2023-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is a complaint from the living man, XXXX, XXXX, Beneficiary, Attorney-in-Fact, Registered Agent for the Said Legal fiction Account for XXXX XXXX. I am here to report the fraud and exercise my rights and I will take it as far as I need to to expose that fraud, Deceit, identity theft, extortion, trickery, malfeasance in office and Oath, securities, trust, tax, ect., FRAUD. It is ALL fraud. there is NO money it is all on a faith based credit system... NOT MONEY. Money =Income= GOLD and SILVER ; and I do not get paid in G and S, so, with that being said, I have NO INCOME. It is all paper money. The US is bankrupt and we have been in and under the bankruptcy Act since XXXX. That makes me a consumer and I have rights and I am free... Everything is prepaid. WAKE up people. There is a credit card that I was GIVEN by the government and that credit card is unlimited credit, because I furnished and provided it to these companies, I am the only one that can operate the fictitious entity and move through it and work it like a business and know the law and truth. 

I pulled my credit and i am getting mail fraud and violation letters in the mail that i will be also going after and billing and invoicing then as it is my duty to report all and any fraud and unfair dealings and practices. Which I will 100 % ... and here I am... 
I did not authorize anyone employed by Equifax and all these companies listed page after page of my CR to make any inquiry on my consumer report nor did i give the credit reporting agencies any consent to put forth or provide my personal information to report to any bureau. This is a violation of the CRA section 1681 ( c ) which means and acts as fraudulent activity and is also a serious breach of my privacy rights. I need these companies to verify the debt and provide a wet signature on the contract that they have on file. I also need a copy of the complete history of accounting on the on and off ledger and that is my right to get a copy and to ensure the accuracy of these fraudulent companies using and collecting and trading my personal information on the open market. I need this to be verified in its entirety. 
I also demand you, XXXX to produce a contract between you and i, the consumer, bearing my wet signature bearing that i gave you permission to furnish such information on my behalf. I also need the following for all accounts that are included in this notice and I need all these companies to send and deliver to me by mail and in writing the information request the following point by point and do not leave out any requested the following items : 1 ) Provide Validation of the debt, that is, production of account and the general ledger full history statement. 
2 ) Verification of your claim against XXXX XXXX, that is, a signed invoice 3 ) A copy of the Contract binding both Company or Alleged Creditor and XXXX XXXX and send that letter by recorded delivery so that there is an independent witness to it having been delivered. 
4 ) A statement admitting whether you are the holder in due course or whether you are the servicer. 
5 ) A statement admitting whether you have sold my note in a pooling and servicing agreement. This is also known as securitization. 
6 ) The identity of the true holder in due course for my loan. If the loan has been securitized, the name of the XXXX my loan was sold to. 
7 ) The XXXX  number in which my loan was securitized to. 
8 ) Make available for visual inspection my original wet ink promissory note ( NOT a PHOTOCOPY ). 

Please provide the above for each company and creditor for the accounts listed below and if you are unable to provide this proof as I have requested within 30 days from the date you receive this letter, then you admit to not being a party of interest and can not rightfully enforce your claim under U.C.C. - Article 3 3-301. 

Accounts that need above items and true Validation are as follows : XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX account number XXXX ( Auto Loan ) - XXXX XXXXXXXX XXXX XXXX acct number XXXX ( Leave Open and increase limit and make available for use ). 
-XXXX  XXXX/ XXXX acct XXXX ( Leave credit line open and make sure it is available for use ) -XXXX  XXXX XXXX acct XXXX ( Leave Open and ready to use ) -XXXX XXXX XXXX XXXX acct XXXX ( I have asked the company to send the XXXX  Filing to me asap because I need to put this property in my trust ) -XXXX, XXXX Acct XXXX ( I have asked this company for my w9 to be completed and returned and they Failed and rejected my request ) I notified the IRS of this. 
XXXX Acct XXXX Credit Card ( Leave this account open and ready for use and maintain correct standing and leave the limits open for me to use ). 
XXXX Acct XXXX Credit Card ( Leave this line of Credit open and available for use and keep all and any limits open as I need to use the card on a daily basis ) -XXXX  XXXX XXXX Acct XXXX Auto Lease ( Make sure the company updates and send the paid in full voucher to have the seats and any damages done to the vehicle be paid by the company as we have a case with an attorney for this lemon and i need adequate refund and compensation and another replacement vehicle immediately. I need the XXXX XXXX with all the upgrades, options, prepaid additions that i wish, Rims, Tires, Maintenance Paid in advance, any merchandise from the retail XXXX shops, and tinted windows and upgraded sound system and a 3m Wrap ) Since my credit card ( ss Number is unlimited, this should not be a problem. I found many violations in the original retail installment agreement and I have a billable invoice for them, which will need to be paid by them as the whole contract and alleged loan is all FRAUD and deceptive practices. I am a consumer and I know my rights ). 
XXXX XXXX acct XXXX mortgage ( i have requested a copy of the XXXX  FILING AS I NEED TO PUT THESE PROPERTIES IN MY TRUST ). 
XXXXXXXX XXXX XXXX Acct XXXX ( Leave account open and ready to use with its limits increased and updated and paid in full monthly ). 
XXXX XXXX XXXX XXXX account XXXX Charge Card ( I never asked then to closed the account and yes it is paid in full but I need this to be open and ready for use as i will be getting more homes and i need to furnish them ). 
XXXX/ XXXX XXXX XXXX XXXX acct XXXX ( please leave open and available and ready to use and make sure they keep this line current and paid ). 
XXXX XXXX account XXXX ( please leave open and ready for use ) XXXX XXXX XXXX XXXX  Credit Card acct XXXX ( please make sure this credit line remains open and available for use with all its benefits ). 
XXXX XXXX XXXX XXXX Auto Lease ( Keep showing its paid in full and also I need the refund of over payments that are owed to me immediately. I need another car also, please have the company get me into another car as I know they are trading on my number as I never asked for the account to be closed ). I prefer a XXXX XXXX XXXX XXXX sport and Manual if possible XXXX XXXX  / XXXX  XXXX, and XXXX XXXX with XXXX XXXX I need this immediately. 
XXXX XXXX XXXX acct XXXX Auto Lease ( Please keep this showing as paid in full as I was never late. However I know that I am the original source of the credit so I am in need of a refund for all the balance and credits owed and due to me. Please send check to the address provided without delay. 
XXXX XXXX XXXXXXXX Credit Card acct XX/XX/XXXX. Please keep this line open as I never instructed or authorized the company to close it. I need a new card opened and sent to me with the credit limit and ready to use. Please refund any amount owed to me as I am the original source of credit. I need a new open and ready card sent to my home address listed in this letter. i also demand that they update and make sure that each month the account is paid and full and stays current. 
-XXXX  XXXX / XXXX XXXX XXXX acct XXXX ( Please make sure that this card is open, active, and ready to use as i please. please keep this card updated and current monthly and I need a new card if this account was closed without my consent ) -XXXX  acct XXXX Credit Card ( Please keep this card showing paid in full never late and I never asked or gave my consent to close this account ). 
XXXX XXXX  XXXX Acct XXXX ( please keep the good standing and paid in full and never late updated. I also need a copy of the original Promise to Pay, original instrument to this transaction. The promissory not is the instrument which is like a check and is due to me. Please send the refund check to my home address. I also need the XXXX  filing for this loan ) -XXXX XXXX XXXXXXXX XXXX acct XXXX ( Please keep this account in good standing and on the report as Paid in Full and Never late ). I also need a copy of the XXXX  filimng for this loan and I also need a copy of the Promissory Note as that is like a check and I am entitled to those funds. 
XXXX XXXX  XXXX XXXX acct XXXX ( Please keep this showing in good standing and paid in full and never late. I also need a copy of the XXXX  filing and the original Promissory not which is a check to me. 
XXXX XXXX acct XXXX XX/XX/XXXX Credit card ( I never asked to closed this account nor did I give my consent to close it. Please keep the good standing and Paid in full information. also if this is a credit card, I am requesting that i get the benefits of the credit available and ready to use and if I need another new card, send me one ready to use and loaded with credit. send me a new card to my address listed in this letter ) - XXXX XXXX Mortgage acct : XXXX ( I need a copy of the Promissory original Note and a copy of the XXXX filing. ) Keep this account showing as paid in full, Never late. 
XXXX XXXX XXXX account XXXX XXXX XXXX ( Please keep the account showing paid, never late. and i never authorized them to close the account so, if there is a limit available for me to use and keep the line of credit showing current and paid in full since they have my social sec. card which is unlimited credit. Send me a new card ready and available for use. 
-Nationstar/ Mr.Cooper account XXXX ( please keep this showing paid, never late. I also need a copy of the XXXX note, the original as that is funds due to me. I also need a copy of the XXXX XXXX ). 
-XXXX XXXX XXXXXXXX acct XXXX Mortgage ( please keep showing paid and never late. I also need a copy of the XXXX XXXX and the original copy of the Promissory Note as that is a check and due to me. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX acct XXXX Please send me the XXXX  filing and keep the account showing as paid, never late. I also need the original Promissory note as that is the amount that is owed to me. 
-XXXX XXXX acct XXXX Mortgage ( Please send me the XXXX Filing, which I have already asked for and I need a copy of the original promissory note as that is a check that is owed to me. 
Keep account in good standing and showing paid, never late. 
XXXX XXXX acct XXXX ( Please keep the account showing paid, never late ). I never asked and consented to the account being closed. So, keep this file and account ready for use and send me a new card ready for use. 
XXXX XXXX XXXX account XXXX. ( Please keep this account showing XXXX, Never XXXX ). 
XXXX XXXX XXXX XXXX account XXXX ( please keep this account showing PAID, NEVER LATE ) I never asked or consented to this account to be closed. If there is a credit that is due and owed to me, please send me a ready to use card with the limits and keep them current and updated monthly. 
-XXXX/ XXXX XXXX ACCT XXXX CHARGE CARD ( Please keep this account showing paid, never late and if there is a credit usage limit for me, please send me ready to use credit card to my address ) -XXXX- Living Spaces Acct XXXX ( Please leave this account showing PAID, NEVER LATE. And I never consented for the company to close my account. If there is credit for me to use, send me a new credit card as I am going to need it and I really can use it ). 
XXXX XXXX XXXX and XXXX Acct XXXX XXXX keep this account showing as NEVER LATE, PAID and i never asked or consented to the company to close my account. If there is credit usage available, send me a new card as I need a whole new appliance package and tv 's for my homes ). 
XXXX? XXXX acct XXXX ( Please keep this account showing NEVER LATE and PAID. I never c consented for the account to be closed ). If there is a credit due to me, please send me a new card and loaded and ready to use. 
XXXX XXXX XXXX Acct XXXX ( Please keep this account showing paid, never late and I never requested or consented for this account to be closed ). If there is credit available for me to use, please send me a new card bc i do need furniture for my home. 
XXXX XXXX XXXX acct XXXX : I do not have a contract with this company and I never signed any contract. This account needs to be removed and updated immediately. 

XXXX XXXX XXXX XXXX XXXX This inquiry is fraud and needs to be removed immediately American XXXX XXXX XXXX This inquiry is FRAUD and needs to be removed immediately END OF ACCOUNTS LISTED -- -- -- -- -- -- -- -- -- -- Under US Code TITLE 15 CHAPTER 41, SUBCHAPTER V 1692g part b ), this debt is now officially in dispute. By law, all collection activities must cease until these matters are resolved. You are hereby given notice. Blatant disregard for this law is subject to fines and are billable by the FTC. You are advised to consult legal counsel on these matters included in this notice in its entirety. 
In the event the debt is NOT properly validated by you, as required by the FDCPA, you have a legal obligation and responsibility to terminate the claim and correct any and all negative consumer reporting which may have been made in connection with the alleged debt. 

In the absence of any such documentation bearing my signature. I formally request that these fraudulent inquiries and accounts be immediately updated and corrected and if they need to be deleted, then that needs to be done immediately from the credit file you maintain under my social security number Please note that you have 30 days to produce the requested contract and to complete this investigation as per the FRCA section 611. 
My contact information is as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX I request that all communication MOVING FORWARD be done in writing and only writing to maintain its accuracy and chain of events. in the event i need to pursue legal action, i will be able to with concrete and complete accuracy. I am the original source of credit anytime my social security is furnished to these corporations and that makes it a consumer credit transaction. I am powerful and I will exercise my rights to the maximum, if needed. I'm not playing around with these fraudulent companies that are stealing and making a fortune off of me. 

Best regards, XXXX : XXXX, [ Agent/ Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved NOTICE TO PRINCIPLE IS NOTICE TO AGENT AND NOTICE TO AGENT IS NOTICE TO PRINCIPLE. This is my notice and I will be reporting these companies that have my social security number to the IRS. Yes, I will 100 %. I know my rights and I an aware of what is going on. I am a living person that is FULL FAITH AND UNLIMITED CREDIT. I need my benefit. 
These companies have been put on notice to get this corrected and adjusted in 30 days.

Company response to consumer: Closed with non-monetary relief