Consumer complaint received 2025-04-23 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: CA

Complaint narrative:
To : Equifax XXXX XXXX, XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Experian Information Solutions , Inc . 
Attn : Legal Compliance XXXX XXXX XXXX XXXX XXXX XXXX TransUnion, XXXX XXXX : Legal Compliance XXXX XXXX XXXX XXXX XXXX XXXX Subject : Third and Final Administrative Complaint Before Federal Suit FCRA 605B, Cease & Desist, Securities Fraud, Identity Theft, and Collusion Dear Chief Compliance Officers and Legal Departments, This correspondence shall serve as the third and final notice, affidavit, and formal complaint prior to initiating a civil action in federal court and filing a demand with the Consumer Financial Protection Bureau ( CFPB ). 

I am writing to demand immediate removal of all derogatory information, including but not limited to : charge-offs, inquiries, collections, late payments, account closures, and any and all negative reporting associated with the improper use of my name, personal data, and Social Security Number XXXX in any and all consumer credit transactions that were unlawfully converted into debt obligations without my knowledge, consent, or proper consideration. 

Legal Grounds & Violations You are in direct violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S. Code 1681c-2 ( 605B ) by publishing fraudulent and unauthorized credit information. I assert the following : My credit applications were monetized, securitized, and used as negotiable financial instruments under XXXXCC 3-104 and 3-306. 

At no time did I consent to these instruments being used without equal consideration. 

Any alleged debt or obligation arising from these transactions was not disclosed in full, nor was proper value returned, constituting identity theft and a deceptive financial practice. 

FCRA 605B requires you to block any information resulting from identity theft within XXXX business days of receiving valid notice and documentation. 

The unlawful posting of data and inquires constitutes a breach of trust, fraud, and securities conversion, whereby Ithe creditor and investorwas not compensated. 

The use of my SSN by entities to which I never gave explicit and knowing consent is a violation of the Social Security Act and privacy protections under 5 USC 552a. 

Securities and Collusion Notice The undersigned does not consent to being treated as a debtor, obligor, or public vessel in commerce. I am the secured party creditor of all transactions bearing my name and social security number. 

As per SEC definitions under 15 U.S.C. 77b and 78c, the use of my application or promissory note as a security obligates you to the same disclosure, performance, and registration standards imposed upon financial institutions. 

Your failure to validate the original, signed agreementscoupled with continued reporting of unverifiable dataconstitutes collusion with unjust enrichers, aiding and abetting conversion of financial instruments, and denial of due process. 

Demand for Immediate Relief You are hereby demanded to : Immediately and permanently remove all negative, false, unverifiable, and unauthorized entries from my consumer credit report. 

Cease and Desist all publication, reporting, and inquiry of data associated with my name, likeness, or SSN unless a verifiable bilateral contract with full disclosure and lawful consideration can be produced. 

Acknowledge that any further publication constitutes willful misconduct, commercial fraud, and a violation of federal privacy and credit statutes. 

Executive Order Reference You are also placed on notice of Executive Order XXXX issued under the Trump XXXX, which affirms that regulatory enforcement should not punish individuals without clear statutory grounding. You are to demonstrate the specific and lawful authority by which you have posted derogatory credit information connected to my financial identity. 

Fee Schedule for Continued Violations Pursuant to UCC 1-308 ( Reservation of Rights ) and in harmony with equity, I am enforcing the following private administrative fee schedule, effective upon service of this notice : {$2500.00} per unauthorized credit inquiry {$5000.00} per false or derogatory item reported or re-reported after this notice {$10000.00} per unauthorized disclosure to third parties {$100000.00} for failure to comply within XXXX calendar days of receipt This document constitutes legal notice and commercial presentment. Your failure to rebut these claims point-for-point, with affidavit and original wet-ink agreements, within XXXX  days, shall constitute tacit agreement and your full acceptance of liability under commercial law, equity, and trust. 

Remedy Election Failure to cure will result in : A formal complaint to the Consumer Financial Protection Bureau ( CFPB ) Federal civil complaint under 42 USC 1983, FCRA, FDCPA, and SEC violations Demand for punitive damages, sanctions, and injunctions in district court Respectfully submitted, [ Authorized Representative Name ] XXXX XXXX XXXX XXXX, Secured Party Creditor, Beneficiary of the Legal Estate

Company response to consumer: Closed with explanation