Consumer complaint received 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I AM A XXXX XXXX  XXXX VETERAN WHO FOUGHT THE RIGHTS OF THIS COUNTRY. I HAVE GIVEN UP ALOT FOR THIS UNITED STATES XXXX, AND STILL I HAVE TO FACE SUCH XXXX HATE ON AN AI LEVEL. THIS IS TRULY INSANE AND A HUMAN OUTRAGE THAT A XXXX CULTURE WOULD STOOP SO LOW AS TO ATTACK ITS OWN CITIZENS WITH INTERNET CONSPIRACY 18 USC Section 241 [ CONSPIRACY TO COMMIT HARM TO MINORITIES WITH ANOTHER ENTITY ]. SHAME ON ALL THREE FACTIOUS GOVERNMENT CREDIT REPORTING AGENCYS, AND CFPB WHO SUPPOSIVELY IS TO MONITOR THESE XXXX  ENTITY 'S. I SUFFER FROM XXXX XXXX XXXX FROM BEING XXXX MILES FROM THE XXXX XXXX XXXX XXXX  AND WILL NOT TOLERATE YOUR XXXX  XXXX USING AI FOR YOUR PERSONAL TOOL. WE ARE XXXX XXXX XXXX XXXX I APPLIED FOR A XXXX XXXX XXXX ON THE XXXX OF XX/XX/XXXX WITH XXXX XXXX XXXX XXXX ONLY TO BE OFFERED A CREDIT LIMIT OF {$500.00} WITH SCORES OF XXXXXXXX XXXX XXXX XXXXXXXX EQUIFAX, XXXXXXXX XXXX I CALLED THE RECONSIDERATION DIVISION AND INFORMED THEM THAT I NEVER APPLIED FOR A XXXX XXXX XXXX XXXX  AND THAT I NEVER SIGNED ANY PAPERWORK FOR A XXXX XXXX XXXX AND THAT IT WOULD NOT BE ACTIVATED, ONLY TO BE SPOKEN TO AS IF I WAS A XXXX. THE AGENT STATED THAT THAT WAS WHAT THEY AGREED ON FOR APPROVAL. MIND YOU I HAVE 0 % DEBT TO INCOME, NO MORTGAGE LOANS, NO AUTO LOANS, ALL DEBT PAID IN FULL, OVER XXXX ACCOUNTS. I REPORTED THIS TO A SUPERVISOR HOW I WAS SPOKEN TO AND THE SITUATION AND HE INFORMED ME THAT THIS WOULD BE INTERNALLY INVESTIGATED. XXXX XXXX XXXX XXXX HAS TRANSFERED MONIES FROM A CREDIT CARD THAT WAS NEVER ACTIVATED, AND I NEVER RECEIVED A PHYSICAL CARD IN THE MAIL, NOR HAVE I REQUESTED PAYMENT FOR XXXX XXXX XXXX XXXX TO PAY A CREDIT CARD BALANCE OF {$500.00} OR {$500.00} FOR A XXXX CREDIT CARD IN AMOUNT OF {$500.00} OR {$500.00}. THE DATE TODAY IS XXXX XX/XX/XXXX AND THIS FACTIOUS TRANSFER ACCURED ON THE XXXX XX/XX/XXXX, AFTER EVERYTHING THAT HAS HAPPENED THIS HAPPENS AFTER I TRANSFERED ALL MY MONIES TO ANOTHER BANK. THE ACCOUNT THAT XXXX XXXX XXXX XXXX CLAIMS I TRANSFERED A BALANCE TO AT XXXX WAS CLOSED ON THE XXXX XX/XX/XXXX. ALSO THAT CREDIT CARD HAD A BALANCE OF {$0.00} DOLLARS. 
1. The Fraud Act XXXX6 2. The Criminal Finances Act XXXX 3.The Torts Act XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The Financial Services Act XXXX XXXX. The Misrepresentation Act XXXX  XXXX. The Malacious Communications Act XXXX XXXX. The Data Protection Act XXXX XXXX. The Protection from Harrassment Act XXXX 12. The Theft Act XXXX 13. The Bills of Exchange Act XXXX XXXX. The Proceeds of Crime Act XXXX Deception That I created a security instrument/Promissory Note that the bank accepted my created Promissory note as cash That the note was added to the bank 's ledger as an asset That the bank sold it on the securities market as an original issue That the bank engaged an insurance policy to cover potential failure of the account. 
That the bank was engaged in a conflict of interests That the bank made profit on sale of said security That the bank did not move any money/credit from thier own assets into my credit account That the bank collected monthly payments in service of the alleged debt That the bank charged interest on the alleged debt ( Usury ) 14th Amendment to the U.S. Constitution : Civil Rights ( XXXX ) Passed by Congress XX/XX/XXXX, and ratified XX/XX/XXXX, the XXXX XXXX extended liberties and rights granted by the Bill of Rights to formerly enslaved people. 

AMENDMENT XIV Section 1.

All persons born or naturalized in the United States, and subject to the jurisdiction thereof, are citizens of the United States and of the State wherein they reside. No State shall make or enforce any law which shall abridge the privileges or immunities of citizens of the United States ; nor shall any State deprive any person of life, liberty, or property, without due process of law ; nor deny to any person within its jurisdiction the equal protection of the laws.

Section 4. 
The validity of the public debt of the United States, authorized by law, including debts incurred for payment of pensions and bounties for services in suppressing insurrection or rebellion, shall not be questioned. But neither the United States nor any State shall assume or pay any debt or obligation incurred in aid of insurrection or rebellion against the United States, or any claim for the loss or emancipation of any slave ; but all such debts, obligations and claims shall be held illegal and void. 

This whole contract has been Very Detrimental to my Health and Mentally Abusive to my CONSCIENCE!!! 369 15 U.S. Code 1692e - False or misleading representations : Seems like conspiracy against rights to me!!! XXXX VIOLATIONS : Excessive Taxes On Escrow. 
MISREPRESENTATION DURING LOAN PROCESS LOAN IS SETUP FOR THE FAILURE OF THE BORROWER WHICH THE ROLES OF THE BORROWER AND LENDER HAVE BEEN REVERSED ON ALMOST ALL MORTGAGE LOANS XXXX!!!!!!!! ! XXXX VIOLATIONS AS FOLLOWS : THIS ENTITY NEVER PUT UP EQUAL VALUE OF THIS CONSUMER TRADE DEAL!!!!! ! XXXX WHICH IS CALLED MISLEADING AND MISREPRESENTATION!!!!!!!!! XXXX This In Fact Is A Quasi-Contract " XXXX XXXX XXXX XXXX XXXX XXXX  ''. 

The Duty of Care Causation Remoteness of Damage Concealment Vicarious Liability Defamation The Economic Crime ( Transparency and Enforcement ) Act XXXX Selling of Information Over the Internet ( Concealment ) Fraud By Non-Disclosure Negligence UNJUST ENRICHMENT!!!!!!!! ! XXXX Enticement To XXXX  Data Protection Act IMAGINARY CONTRACT [ ULTRA VIRES ] XXXX. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.

( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if- ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement. 

XXXX XXXX  Laws Revised Statutes Title XXXX - Motor Vehicles and Traffic Regulation XXXX. Deposit and down payment disclosure and delivery of vehicle pending the sale Universal Citation : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and is not necessarily the official citation. 

XXXX XXXX XXXX - Deposit and down payment disclosure and delivery of vehicle pending the sale A. In every transaction between a used motor vehicle dealer and a customer in which the customer provides a deposit on a used motor vehicle, the used motor vehicle dealer is required to provide a statement that the deposit given is on an agreement to purchase, and not an actual sale. The agreement shall clearly state that no transaction has actually occurred, that no sales documents have been completed, and that the deposit is merely intended as a hold on a vehicle. 
B. In every transaction between a used motor vehicle dealer and a customer in which the customer provides a down payment for the purchase of a used motor vehicle, the used motor vehicle dealer is required to provide, either on the bill of sale, or by separate agreement, a statement that the sale is conditioned upon certain identifiable events, such as financing or obtaining state-mandated compulsory automobile insurance.

C. In every transaction between a used motor vehicle dealer and a customer in which the customer provides either a down payment or a deposit for the purchase of a used motor vehicle, the used motor vehicle dealer shall complete a disclosure statement containing the terms and conditions of the transaction, including but not limited to the following : ( 1 ) The amount of the deposit or down payment.

( 2 ) Whether the money given is either a deposit or down payment.

( 3 ) Terms and conditions for return or forfeiture of the customer 's deposit or down payment.

( 4 ) A time limit in which to complete the transaction not to exceed twenty days.

( 5 ) A complete description of the motor vehicle to be sold including the make, model, year, and any identification and serial numbers.

( 6 ) The price of the vehicle and a description of the vehicle including the make, model, year, identification, and serial number and its condition.

( 7 ) The amount of the trade-in allowance and a description of the trade-in vehicle including the make, model, year, identification, and serial number and its condition.

D. If the dealer allows the customer to take delivery on a vehicle which is the subject of either a deposit or a down payment, a pre-delivery sale disclosure statement from the dealer and the customer shall include the following : ( 1 ) A condition report which clearly identifies any noticeable damage to the vehicle before it is released to the customer.

( 2 ) A statement that if the dealer withdraws from the agreement to purchase, the customer will be responsible only for damages beyond normal wear and tear occurring during the customer 's use of the vehicle, the amount of which may be deducted from the deposit or down payment.

( 3 ) A statement that if the customer withdraws from the agreement to purchase, the customer shall be responsible not only for damages occurring during the customer 's use of the vehicle but also for usage of the vehicle at a day rate not to exceed twenty-five dollars per day and thirty-five cents per mile, which may be deducted from the deposit or down payment. A customer shall be considered as having withdrawn from the agreement if the customer intentionally provided false or fraudulent information to the dealer in connection with the transaction.

( 4 ) A statement that if the customer either withdraws from the agreement to purchase or fails to return the vehicle at the expiration of the term of the agreement, the dealer may seek repossession of the vehicle by any lawful means.

( 5 ) A statement that if the dealer withdraws from the agreement to purchase that the dealer must give written notice, by certified or registered mail, to the customer at least five days prior to taking repossession of the vehicle which may be done by any lawful means, and only upon return of the deposit in accordance with this Section.

E. It shall be unlawful and constitute a violation of this Chapter for any used motor vehicle dealer to fail to follow any of the provisions of this Section. 
Acts 2014, No. 423, 1 ; Acts 2016, No. 288, 1. 18 US
C Section 241 Conspiracy Against Rights Section 241 makes it unlawful for two or more persons to agree to injure, threaten, or intimidate a person in the United States in the free exercise or enjoyment of any right or privilege secured by the Constitution or laws of the UnitedStates or because of his or her having exercised such a right. 
Unlike most conspiracy statutes, 241 doesnotrequire, as an element, the commission of an overt act. 

The offense is always a felony, even if the underlying conduct would not, on its own, establish a felony violation of another criminal civil rights statute. It is punishable by up to ten years imprisonment unless the government proves an aggravating factor ( such as that the offense involved XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) in which case it may be punished by up to life imprisonment and, if XXXX  results, may be eligible for the dXXXX XXXX. 

28 U.S. Code 3002 ( 3 ) Debt means ( A ) an amount that is owing to theUnited Stateson account of a direct loan, or loan insured or guaranteed, by theUnited States ; or ( B ) an amount that is owing to theUnited Stateson account of a fee, duty, lease, rent, service, sale of real or personalproperty, overpayment, fine, assessment, penalty, restitution, damages, interest, tax, bail bond forfeiture, reimbursement, recovery of a cost incurred by theUnited States, or other source of indebtedness to theUnited States, but that is not owing under the terms of a contract originally entered into by onlypersonsother than theUnited States.

( 4 ) Debtor means apersonwho is liable for adebtor against whom there is a claim for adebt.

( 10 ) Personincludesa naturalperson ( includingan individual Indian ), a corporation, a partnership, an unincorporated association, a trust, or an estate, or any other public or private entity, includingaStateor local government or an Indian tribe.

( 11 ) Prejudgment remedy means the remedy of attachment, receivership, garnishment, or sequestration authorized by this chapter to be granted beforejudgmenton the merits of a claim for adebt.

( 12 ) Propertyincludesany present or future interest, whether legal or equitable, in real, personal ( includingchoses in action ), or mixedproperty, tangible or intangible, vested or contingent, wherever located and however held ( includingcommunitypropertyandpropertyheld in trust ( includingspendthrift and pension trusts ).

( 14 ) State means any of the severalStates, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, or any territory or possession of theUnited States.

( 15 ) United States means ( A ) a Federal corporation ; ( B ) an agency, department, commission, board, or other entity of theUnited States ; or ( C ) an instrumentality of theUnited States.

Art VI.C1.1 Debts and Engagements Clause All bills of credit emitted, monies borrowed, and debts contracted by, or under the authority of Congress , before the assembling of the United States , in pursuance of the present confederation, shall be deemed and considered as a charge against the United States , for payment and satisfaction whereof the said United States , and the public faith are hereby solemnly pledged.

Fourteenth Amendment, Section 4 : The validity of the public debt of the United States, authorized by law, including debts incurred for payment of pensions and bounties for services in suppressing insurrection or rebellion, shall not be questioned. But neither the United States nor any State shall assume or pay any debt or obligation incurred in aid of insurrection or rebellion against the United States, or any claim for the loss or emancipation of any slave ; but all such debts, obligations and claims shall be held illegal and void.

UNIVERSAL DECLARATION OF HUMAN RIGHTS ARTICLE 22 ( Relization ) ARTICLE 28 Everyone is entitled to a social and international order in which the rights and freedoms set forth in this Declaration can be fully realized. 

ARTICLE 30 Nothing in this Declaration may be interpreted as implying for any State, group or person any right to engage in any activity or to perform any act aimed at the destruction of any of the rights and freedoms set forth herein. 
I AM THE EXECUTOR OF THE ESTATE OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 18 U.S.C. 241, also known as the Conspiracy Against Rights statute, makes it a federal crime for two or more people to conspire to injure, oppress, threaten, or intimidate someone in the free exercise or enjoyment of any right or privilege secured by the Constitution or laws of the United States.This includes both rights explicitly granted by the Constitution and those created by federal statutes. 
Regulation Z, also known as the Truth in Lending Act ( TILA ) of 1968, is a federal law that protects consumers from unfair credit practices and promotes transparency in lending.It requires lenders to disclose loan terms and costs clearly, including all fees and charges.The Consumer Financial Protection Bureau has overseen TILA since XXXX.Here 's how Regulation Z protects consumers : Disclosure : Lenders must disclose interest rates and all loan and credit terms in clear language.

Loan cancellation : Borrowers can cancel certain types of loans.

Rate caps : Regulation Z sets rate caps on some dwelling-secured loans.

Home equity lines of credit : Regulation Z limits home equity lines of credit.

Closed-end home mortgages : Regulation Z limits certain closed-end home mortgages.

Rescission rights : Regulation Z provides consumers with rescission rights.

Unfair practices : Regulation Z prohibits unfair or deceptive mortgage lending practices.

Regulation E ( Reg E ) is a federal regulation that protects consumers from incorrect or fraudulent electronic fund transfers ( EFTs ) .It establishes rules for EFTs, including debit card transactions, ATM transfers, and electronic payments.Reg E also outlines the responsibilities of financial institutions involved in EFTs.Here 's what Reg E covers : Consumer protection Limits consumer liability for lost or stolen debit cards, and provides a process for disputing unauthorized or erroneous EFTs.Reporting a lost or stolen debit card sooner reduces maximum liability for unauthorized charges. 
Financial institution responsibilities Outlines the responsibilities of financial institutions that participate in EFTs.

Transaction coverage Applies to any EFT that authorizes a financial institution to debit or credit a consumer 's account.This includes ATM transactions, debit card transactions, direct deposits, electronic bill payments, and person-to-person payments. 
Credit union statements Requires credit unions to send a periodic statement to members in each monthly cycle where an EFT occurs.

EFTA Dispute Settlement : In XX/XX/XXXX, XXXX XXXX agreed to a {$1.00} XXXX settlement in a class-action lawsuit alleging violations of the Electronic Fund Transfer Act, according XXXX XXXX XXXX XXXX This case involved a member whose fraud claim was allegedly wrongfully denied. The settlement is pending preliminary approval.

Company response to consumer: Closed with explanation