Consumer complaint received 2024-09-11 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: PA

Complaint narrative:
This is my fourth consumer finance protection Bureau report against not only Equifax but XXXX XXXX XXXX. Once again, I will say that I was incarcerated during the time that this vehicle loan was accomplished. This account was never opened by me with me physically present with my signature physically present or with any knowledge of mine because I was in XXXX  and did not need or want a {$70000.00} XXXX vehicle at the time. So once again, I am writing a complaint because I will not stop until this full account from XXXX XXXX XXXX and from Equifax is completely off of my credit report. XXXX and XXXX have completely erased the account cease and assisted Collections and told me in writing that I am not liable for this debt and will never be bothered for this debt again. I expect every company to act the same, especially if providing evidence. I was not physically available nor have I ever signed for this vehicle or did I have knowledge. 
So once again, I am disputing this debt on my Equifax credit report labeled XXXX XXXX XXXX also labeled as a closed account. The account has already been sold and there Should no longer be on my credit report or any of attachment to me because it is not mine nor was it ever mine. I am being Every law and rule out there by the fair credit reporting agencies and by these companies. They are reporting fraudulent and negative information on my credit report that is negatively affecting me and impacting any decisions that I need or get for Credit and this company Equifax who is so good at derogatory practicing will not even with all of the proof erase this account immediately from my credit report. It is not mine. I never made a payment on it, and none of these companies have ever provided me with any initial paperwork that has my name my signature that shows that it was me that showed up to physically buy this car which can not ever be proven because that never happened. XXXX XXXX XXXX is never not ever and anytime that I have reached out to them which is approximately five times now sent me any information or disclosures requested from 1637b!

STATEMENT OF FACTS!

Fact that my consumer report is supposed to be fair and equitable to me the consumer Fact that consumers are supposed to be informed on the use of credit Fact that I was not informed on the use of credit Fact that I was deceived in the transaction Fact that Affiant, is aware and has proof that COMPANY is in violation of 15 U.S. Code 1605 shown in Exhibit A IN WITNESS WHEREOF I hereunto certify and hereby certify all the statements made above are true, correct and complete under the penalty of perjury in the laws of the united States of America.

So once again, Equifax immediately remove all of this negative and fraudulent information from my report and I am counting the days and following all of the fair credit reporting laws and act with right now now you are violating me. I am being violated by Equifax and by XXXX XXXX XXXX, saying that I owe an amount and adding credit reporting history to my credit report and consumer reports that are not mine, and that is illegal in the state of Pennsylvania. 

XXXX XXXX XXXX XXXX loan Opened XXXX Closed Charges off XXXX, XXXX This is so illegal and so fraudulent first of all after doing my homework. It is a close account but charged off also a joint account and I have no idea who the joint owner is and have never been able to get any information on him either from your company Erased this will be my last attempt. I will be coming with council from now on.

Company response to consumer: Closed with explanation