Consumer complaint received 2022-08-31 00:00:00
Product: Credit reporting, credit repair services, 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:
XXXX responded to a federal complaint and in their response, provided in accurate and false information. XXXX has refused to acknowledge the fact that my credit card account was closed maliciously and out of retaliation for filing civil and federal complaint for fraud, deceptive sales practices, slander, violations to the fair debt reporting act, consumer credit protection act, fair credit reporting act, Fair and Accurate Credit Transactions Act, truth and lending act, Faircredit billing act, and the credit card act. Also noted is the fact that XXXX has deliberately ignored discriminatory acts And practices exhibited by their representatives. XXXX has refused to investigate and providing false information to consumer protection agencies about the discriminatory acts that have been recorded and retained as evidence. This company has never once contacted me directly to discuss this matter, or to obtain recordings, or evidence that I have maintained of their employees engaged in discriminatory conversations and ask. These are repeated occurrences, with multiple forms of evidence against XXXX at its representatives. They have not conducted an investigation. A complete and thorough investigation would include speaking to the person victimized, and obtaining evidence to support this claim. XXXX has failed on all accounts. 

I have on multiple occasions attempted to communicate with this company and demand it to speak with the executive office and representatives from corporate. Not once has this company acknowledged these requests. upon attempting to speak to their collections agency, I was instructed to call XXXX credit card representatives directly to speak to them about this matter. Upon calling and attempting to speak with representatives from XXXX, they refused to communicate and disconnected from the call. I have cellular records, and recorded phone conversations to prove this. 

XXXX has violated the Credit reporting act, they have knowingly and intentionally filed false information that has affected my credit score. Never once in my adult life have I been late on a payment to any of my creditors, or on any debt. prior to XXXX XXXX malicious acts and violations of federal law, my credit standings and scores were excellent. My credit has now been destroyed by these malicious, deliberate and unlawful acts. I have been denied funding, which includes funding for a mortgage and a home, as well as credit cards. This company continues to file false reports to credit agencies destroying my life. 

XXXX has slandered my good name, calling me a fraud. They unlawfully held {$16000.00} of my money for over a month. Theyve made false claims that I am not who I say that I am, well I have proven this otherwise. I presented this company with everything from my Social Security card, drivers license, work IDs, Social Security card, birth certificate, even my XXXX  high school diploma. As XXXX  they continue to call me a fraud, I informed them that I had a credit card with their company that was in good standings and had been a customer for multiple years. As I began to file federal and state complaint on this company, and began to take civil action reference litigation and lawsuits against this company, they maliciously retaliated. This company closed my credit card account and began filing false information to creditors. I have lost nearly XXXX points now from my credit score, which again was excellent prior to these malicious an unlawful acts. 

I will be filing additional federal complaints against this company, following up with complaints to the California and Texas attorney Generals office, and there will be at least two civil lawsuits filed against this company. I have retained an attorney, and XXXX is refusing to participate in the legal process. They have received notice of representation, which was sent in a certified letter. My civil attorney advised that they have failed to respond. My lawyers advised that they will be sending one final notice to XXXX and are demanding a response, otherwise civil lawsuits will ensue. We have intentions of contacting members of the media and making this information, the incidents that have occurred, how this customer has been treated available for public consumption. 

XXXX has and continues to violate state and federal laws and consumer protection acts. Their response, is completely false. They have not conducted any sort of investigation and they have failed to speak with me directly. They have made no attempt to speak to me. And again, when I have attempted to contact us company, they have refused all communication. I have been locked out of this account and have no access to statements, means for payment, or even a correct balance. The only information that I can retrieve is the fact that this account and my checking account which they accused me of fraud for has been closed. this company is knowingly and intentionally committing criminal offenses and federal violations against their customer. They are knowingly and intentionally submitting information that they know is false, and destroying my life. I have been denied a home because of what they have done. A home that I worked my entire life for, and had the credit score to obtain. Because of XXXX criminal and malicious X, my life has been destroyed. I will continue to file public and federal complaints against this company and they will be held accountable for what they have done in a civil setting. Lawsuits are being filed against XXXX.

Company response to consumer: Closed with explanation