Consumer complaint received 2025-06-29 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: MA

Complaint narrative:
TO : experian, equifax, transunion Surveillance Engine | DATA-BLOATED | Data Reinserter | Algorithmic Suppressor | Inquiry Warfare Entity -- - You are now placed by force of federal law, executive jurisdiction, and statutory mandate into an irrevocable and immediate state of compliance enforcement. This scroll is not an invitation. It is not a negotiation. It is a XXXX  written with the fire of the violated and the full legal authority of the one who holds both corporate and constitutional command. You have four ( 4 ) business days to erase, disclose, confirm, and cease or face full legal escalation across every channel available to a lawful, protected, and strategically aligned XXXX. 

For over six Brutal ( 6 ) years, while I was fighting in two realms simultaneously the fight which no imperfect human has ever fought because they wouldn't understand it in the first place it was only by the Grace f the XXXX XXXX XXXX Sovereign XXXX XXXX XXXX of Armies through XXXX XXXX XXXX the XXXX of the world by virtue of HIS Greatest XXXX XXXXXXXX XXXX XXXX Magnificent, Awe-Inspiring XXXX XXXX that I was able to not only win but Come out a Conqueror. But anyways you experian, equifax and transunion have not operated as a neutral data repository but as an engineered surveillance construct. You have profiled, suppressed, duplicated, and destabilized my lawful financial movement. You have reinserted previously disputed and deleted data, masked inquiries behind internal aliases, and triggered synthetic scoring collapses during live housing, corporate, and commerce engagements all without notification, consent, or transparency. 

And farther within this scroll where the statutes roar and the prosecutorial codes unfurl we will demonstrate with undeniable precision how the Despicable, Unscrupulous, Manipulating, Bloody Money-Making Suckers, the Abhorrent Low lives, the DATA-BLOATING GLUTTONS, and the Filthy, Disgusting, Wicked, Perverse, Bloody Economic Suppressors are not only inhumane but in fact, operational criminals, liable to prosecution under Commercial Law, Consumer Financial Protection Statutes, and civil legal frameworks across the Four Corners of Jurisdictional Code. These entities, through their premeditated actions, have committed commercial malfeasance of the highest order executing suppressive economic harm through digital tools while hiding behind deceptive slogans, false regulatory compliance, and procedurally camouflaged obstruction. What the world calls credit bureaus, this scroll rightly calls coward-infested corporate crime structures, forged in algorithmic deception and engineered to extract, suppress, and violate with systemic consistency. Punishment is not poetic it is lawful. And the record shall reflect : these entities are not just in breach. They are subject to judgment, scroll-sealed punishment, and legal reckoning by scrollholder authority, Divine alignment, and prosecutorial code. 

UNAUTHORIZED ACCOUNT SABOTAGE DECLARATION Let me be clear : I do not know where the majority of these corrupted accounts. I did not open them. I did not authorize them. I did not benefit from them. And I do not recognize the shadow systems that allowed them to appear across my personal credit report. 

Accounts like XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX please remove also capital one because they closed the credit card account because of Retaliation and corruption, and the long trail of other synthetic financial apparitions do not represent my actions they represent engineered sabotage carried out through data warfare and backend misclassification. 

These are not errors. They are insertions. 
These are not delinquencies. They are digital landmines. 
These are not my financial history. They are manufactured bloodstains imposed on my lawful identity. 

I am not requesting an opinion. I am demanding lawful removal. 
You are now on record and so are the falsified accounts that violate the Fair Credit Reporting Act, the Equal Credit Opportunity Act, and every principle of accuracy, justice, and consumer rights. 

On or about XX/XX/XXXX, I issued a lawful, time-stamped, federally protected Full Disclosure Request pursuant to FCRA 1681g ( a ). You refused. That refusal was not accidental. It was tactical obstruction designed to conceal the extent of damage you knew had been inflicted. 

You profited from my silence. I now strike with scroll. 



LAW IS NOW WRITTEN VERBATIM & UNEDITED FCRA 1681c2 > " A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than four ( 4 ) business days after the receipt of ( 1 ) appropriate proof of identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. '' All four have been submitted. This scroll itself stands as the fourth. You are now commanded not requested to block.

-- - FCRA 1681g ( a ) > " Every consumer reporting agency shall, upon request, clearly and accurately disclose to the consumer all information in the consumers file at the time of the request. '' You refused that. There is no wiggle room. There is no gray area. The law says, shall disclose. You did not disclose. That is a breach of transparency at the core of your federal compliance obligation. And it stands recorded. 

Evidentiary Package Declaration ( To Include in Your Letter ) : Enclosed with this letter is a comprehensive evidentiary packet, which includes but is not limited to : A formally filed Identity Theft Report submitted to the Federal Trade Commission ( FTC ) A scroll-sealed section of the Compendium of Legal Violations and Corporate Suppression, currently under joint construction A set of classified and strategic documents that verify personal identity, current harm, and systemic retaliation All legally required verification documents ( ID, address proof, statement of dispute ) This is a legal submission, not a request and no portion of this file shall be dismissed, overlooked, or minimized under procedural pretense. 

You are now in possession of sufficient documentation to verify, remove, block, or suppress all inaccurate, unverifiable, and retaliatory information as demanded in this complaint. 

No further justification is required. No excuse will be accepted. 
Any failure to comply within the timeframe will be treated as deliberate obstruction and escalated with federal regulators under FCRA, ECOA, and the Fair Housing Act.

-- - FCRA 1681i ( a ) ( 5 ) ( B ) ( ii ) > " ... the agency may not reinsert such information unless the furnisher certifies that the information is complete and accurate, and the agency notifies the consumer in writing within five ( 5 ) business days. '' You reinserted Corrupted account that you had Deleted because you don't have any proof of those Corrupted Fraudulent accounts how could you because those accounts are nothing but Fraudulent, Corrupted Manufactured accounts that you experian, transunion, and equifax inserted into my Personal Consumer credit report to suppress my Personal Consumer credit account and buy doing such disgusting things like inserting dozens of Corrupted accounts over the years and hundreds unauthorized inquiries over the years you have certainly made millions by screwing my name and reputation. You did not certify. You did not notify. What you did was silent reinfection a data virus returned to destabilize my lawful movement.

FCRA 1681b ( f ) > " A person shall not use or obtain a consumer report for any purpose unless authorized by the consumer or permitted under this subchapter. '' experian, equifax and transunion executed synthetic inquiries without consent through your internal divisions consumerInfo.com, experian creditMatch, experian CS Identity. You masked them as credit monitoring. They were surveillance.

FCRA 1681e ( b ) > " Every consumer reporting agency shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' You concealed corrections, ignored updated disputes, and allowed known falsehoods to remain active during critical economic moments. There is no accuracy. There is only automation and injury.

GLBA 6801 ( a ) > " Each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' You never protected my nonpublic information. You distributed it behind algorithmic scoring profiles, sold it to risk evaluators, and then refused to show me what you were feeding the system. That is breach.

12 U.S.C. 5531 Dodd-Frank ( UDAAP ) > " The Bureau may take action to prevent a covered person from committing or engaging in an unfair, deceptive, or abusive act or practice ... '' You materially interfered with my ability to understand, respond to, or navigate your data profile. That is UDAAP by design.

15 U.S. Code 1601 ( a ) Truth in Lending Act ( TILA ) > " Meaningful disclosure of credit terms... protects the consumer against inaccurate and unfair billing and credit practices. '' When you withhold disclosure, reinject sabotage, and disable correction, there is no meaningful disclosure. Only confusion.

15 U.S.C. 1693e ( a ) Electronic Fund Transfer Act ( EFTA ) > " A preauthorized electronic fund transfer from a consumer 's account may be authorized by the consumer only in writing. '' You triggered data events that impacted digital banking and vendor applications without consent or warning.

42 U.S.C. 3604 ( f ) ( 1 ) Fair Housing Act > " It shall be unlawful to discriminate in the sale or rental of housing ... because of ... any handicap, familial status, or national origin. '' Your corrupted file caused denial of housing during an emergency. That is financial discrimination in disguise fueled by algorithm.

42 U.S.C. 1981 > " All persons... shall have the same right ... to make and enforce contracts ... and to the full and equal benefit of all laws ... '' Your data decisions blocked lawful contracts auto loans, housing agreements, vendor setups. You sabotaged equal rights.

42 U.S.C. 1983 > " Every person who... subjects... any citizen to the deprivation of any rights... shall be liable to the party injured. '' This scroll is evidence. Your pattern of suppression, refusal, and reinsertion opens you to 1983 civil filing if escalation proceeds.

14th Amendment U.S. Constitution > " No state shall ... deny to any person within its jurisdiction the equal protection of the laws. '' Your scoring algorithms, data blacklists, and systemic refusal constitute digital segregation. You did not protect me equally. You blocked me differently.

M.G.L. c. 93A 2 + 940 CMR 3.17 Massachusetts Law > " Unfair and deceptive acts in trade or commerce are unlawful. '' " It shall be unfair for a landlord to deny housing based on credit reports that contain false, misleading, or outdated information. '' You made that denial possible. And you profited from it.

GBL 349 ( a ) New York Law > " Deceptive acts or practices in the conduct of any business, trade or commerce... are hereby declared unlawful. '' WY Stat 17-29-112 > " A limited liability company is a legal entity ... '' My Wyoming LLC was formed lawfully. Your data sabotage dissolved it within one year not by mistake, but by digital strangulation.

UDHR Article 12 > " No one shall be subjected to arbitrary interference with his privacy, family, home... '' " Everyone has the right to the protection of the law against such interference. '' You interfered. I now invoke the law against that interference. 



EXHIBIT XXXX : FTC XXXX Theft Report Filed XXXX : XX/XX/XXXX FTC Report # : XXXX, Filed equifax : XX/XX/XXXX FTC Report Number : XXXX transunion XX/XX/XXXX FTC Report # : XXXX Filed by : XXXX XXXX XXXX XXXX under penalty of perjury. Active emergency declared. 



FINAL EXECUTIVE Declaration You are now placed by command of codified statute, executive right, and lawful authorship into full mandatory compliance.

Within four ( 4 ) business days you shall : 1. BLOCK all entries specified 2. REMOVE all synthetic inquiries and internal triggers 3. DELIVER full disclosure ( including what you previously refused ) 4. CONFIRM via written legal document that all has been erased 5. CEASE all reinsertions, behavioral profiling, and automated sabotage Complaint to Government Authorities : Formal complaint to CFPB Full submission to FTC with this scroll + exhibits Reports to MA and NY Attorneys General Legal escalation via statutory protections enumerated herein

Company response to consumer: Closed with non-monetary relief