Consumer complaint received 2025-11-20 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: NY

Complaint narrative:
I, write this letter in good faith and honor, reserving all my lawful rights under UCC 1-308. Please note that I do not accept any contractual obligations tied to the strawman account associated with my name.

To clarify, I am a living, breathing woman, fully capable of seeing, touching, speaking, and engaging with the world. I operate under the full knowledge of my rights and do not consent to a contract created by or for a " strawman '' entityan artificial construct without substance or lawful standing. As per the definitions found in XXXX XXXX XXXX ( XXXX XXXX. ) and Websters XXXX XXXX XXXX XXXX, a " strawman '' is a non-entity, created to serve as a front or an imaginary, passive stand-in. This distinction is essential to understanding that I am not bound by any agreement made in the name of this fictional entity. 
To that end, I formally request that you provide the following documents in order to validate the debt in question : Debt Validation : An accurate, complete accounting of the debt, including the original creditors name and the amount owed, in compliance with 15 USC 1692g ( a ) ( Fair Debt Collection Practices Act ).

Signed Invoice : A copy of the signed invoice showing the debt and all associated charges, as per the requirements of UCC 3-501 for negotiable instruments.

Original Wet Ink Contract : A copy of the original contract signed by both parties, validating the agreement between the corporation and myself, in compliance with UCC 3-201 and UCC 1-103 , which govern enforceable contracts.

Additionally, I request that you provide proof that the four essential conditions for a lawful, binding contract have been met : Full Disclosure : I was not informed that your corporation was creating credit under my name with your signature. 
Equal Consideration : You provided no value to me in exchange for your credit, leaving you with no real risk. 
Lawful Terms and Conditions : The terms presented are based on fraudulent practices, which violate UCC 3-305 ( Discharge of Debt ), and may be considered void or unenforceable.

Signatures of Both Parties : A corporation, as a legal fiction, can not sign contracts on its own ; it requires a conduit. Thus, any contract signed by a third party on behalf of the corporation lacks legal standing under UCC 3-402 ( Authority of Agent ). 
Furthermore, for nearly a decade, I have been receiving statements with a coupon and mailing them back with payments. These payments have been cashed, and the coupons redeemed, which constitutes trust fraud. This practice, also known as double dipping, involves renaming the bond and cashing my checks using my social security number each month. This is a clear violation of trust and is, in my view, a criminal act under 18 USC 1343 ( Wire Fraud ), as well as 18 USC 1951 ( RICO Act ). 
In accordance with XXXX XXXX TransUnion ( XXXX ) and 15 USC 1681i and 1681e ( b ) ( Fair Credit Reporting Act ), I demand that this account be removed from my credit report. The account also violates 42 USC 408 ( Social Security Act ) and is in clear violation of RICO, which prohibits such fraudulent actions. Please take immediate steps to delete this account with great prejudice.

Additionally, I refer to HJR 192 ( 1933 ), PL 73-10, Title 31 USC 5118 , which prohibits creditors from demanding any specific form of payment. Banks must accept lawful U.S. currency, and failure to do so constitutes a felony under RICO Act 18 USC 1951. 
I also remind you that the green return receipt card sent back to me is evidence of a Common Law contract under the Postal Rule ( XXXX v. XXXX XXXXXXXX ). As such, the terms outlined in this letter are binding unless contested in writing within the appropriate legal time frame. 
Finally, I demand that you cease and desist from contacting me by phone. I have kept records of your daily calls, which I find to be intrusive and harassment. I do not give your corporation permission to contact me by phone. Any communication should be made in writing via certified mail, as per 15 USC 1692c ( c ) ( FDCPA ), which prohibits harassment through continued communication after a cease-and-desist request. 
Please provide the requested documentation within 14 days of the date of this letter. Failure to do so will be considered a violation of my legal rights, and I will pursue all available remedies, including legal action, if necessary. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation