Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I am the Secured Party Creditor, as evidenced by filings with the Secretary of State, and the trustee of the private trust estate bearing the legal name in nominal form styled as ALL CAPS NAME, a designation used exclusively for commercial transactions and not representative of a sentient living being. 
In XX/XX/XXXX, I discovered that a third-party debt collector had placed an adverse entry on the credit report associated with my trust estate. On XX/XX/XXXX, I submitted an identity theft affidavit to Equifax, informing them that an account had been opened in the name of my trust without a valid contract. This act constitutes both identity theft and commercial fraud. I requested that Equifax investigate the matter. 
Approximately one month later, Equifax responded by affirming the alleged debt as valid. However, the third-party debt collector was not a party to any original transaction, and no contract exists. There was no offer, no acceptance, no consideration, and no mutual assent. Therefore, there is no lawful basis for the alleged debt, no standing to assert it, and no jurisdiction to report it. 
On XX/XX/XXXX, the third-party debt collector was served with an affidavit demanding presentment of a true bill in commerce, including a complete, sworn accounting and validation under oath with an attached affidavit to establish whether any payment was lawfully due. They were given seven ( 7 ) days to respond, with notice that failure to reply would constitute tacit agreement that no payment was owed. No response was received. 
The Fifth Amendment guarantees that, No person shall be... deprived of life, liberty, or property, without due process of law. A financial statement, invoice, or bill constitutes a claim to property and, as such, must be verified and substantiated under oath before any court, credit bureau, or third party can lawfully act upon it. 
Equifax was informed that due to the absence of such verification, it was a violation of the Deceptive Trade Practices Act for the third-party collector to report any balance as owed. Equifax was also advised that its use of my trusts name for commercial advantage and private financial gain constituted copyright infringement under 17 U.S.C. 506 ( a ), and that criminal penalties apply under 18 U.S.C. 2319. Moreover, for aiding and abetting this fraudulent commercial use, Equifax may be held liable under 18 U.S.C. 2 and 371. 
Despite having received notice, Equifax published and disseminated false, injurious information regarding my trust estate without first obtaining a lawful chain of origination for the alleged claim. They failed to acquire any original contract bearing my wet-ink signature, and as no such contract exists, they were unable to produce any lawful document of assignment from the originator to the third-party collector. Since I was never properly notified of any assignment, and the original claim was invalid, no lawful basis existed for Equifax to accept or report the data. 
Equifax had a duty to require the furnisher of the disputed data to provide certification or sworn verification of the alleged debt. Under the Fair Credit Reporting Act 623 ( originally 84 Stat. 1130 ), the furnisher must have lawful authorization to report, and all reported data must be accurate, complete, and verifiable. Equifax is also obligated to retain internal documentation of that certification and to conduct a reinvestigation when a dispute arises not merely accept the furnishers word.

If Equifax can not produce this documentation upon lawful demand, it is in violation of 84 Stat. 11291130 ( FCRA 611, 623 ) and is guilty of commercial defamation and identity trespass. 
Furthermore, Equifax was and remains under legal obligation to obtain written, verifiable authorization for any disclosure of alleged obligations tied to my trust, as required by constitutional property doctrine and statutory commercial law. Absent such authorization including lawful use of my identifiers, a verifiable contractual basis for the debt, and direct, sworn permission to transmit such data no publication or adverse action is lawful. 
On XX/XX/XXXX, I served Equifax , Inc. with a notarized affidavit of status and commercial objection concerning false and defamatory data attributed to the NAME and estate I represent. Equifax failed to provide any rebuttal, sworn affidavit, or lawful verification within the specified commercial timeframe. 
Under both federal law ( 84 Stat. 1129, FCRA 611 ) and commercial equity ( UCC 1-202, UCC 3-501 ), Equifaxs silence constitutes tacit agreement, dishonor, and constructive fraud. By continuing to knowingly publish false information after formal notice and opportunity to cure, Equifax has demonstrated actual malice and is now commercially liable for injury to my estate.

Equifax has knowingly and willfully published, maintained, and disseminated false, unverified, and injurious data concerning a private trust estate over which I am the sole authorized trustee and Secured Party Creditor. Equifax failed to conduct a lawful investigation, failed to obtain verifiable authorization for publication, failed to rebut a properly served affidavit of status and objection, and has continued to act with disregard for my rights under commercial law and constitutional due process. This conduct has resulted in commercial defamation, identity trespass, and property conversion.

Company response to consumer: Closed with explanation