Consumer complaint received 2024-10-31 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is the original creditor pursuant to 15 U.S. Code 1602 ( g ) and 15 U.S. Code 1691a ( e ) entitled to security held by account XXXX XXXX XXXX XXXX pursuant to U.C.C. 9-102 ( 2 ) and is the obligor pursuant to 15 U.S. Code 1691a ( b ) The obligor is the original creditor pursuant to 15 U.S. Code 1602 ( g ) and 15 U.S. Code 1691a ( e ) of the consumer account for the consumer and the consumers are natural persons pursuant to 16 CFR 433.1 Pursuant to 15 U.S. Code 1691a ( e ) clause3 and U.C.C. 1-201 ( 13 ) the creditors of the original creditor are assignees of the original creditor for the benefit of the original creditor of the account for the benefit of the consumer The accounts are rights to payment of monetary obligation for property sold or leased, licensed, or assigned or otherwise disposed of for services rendered or services to be rendered pursuant to U.C.C. 9-102 ( 2 ) by servicers pursuant to 12 U.S. Code 2605 ( i ) ( 2 ) and 12 U.S. Code 2605 ( i ) ( 3 ) The consumer on the consumer report is entitled to the security interest held by account The creditor as assignee is a consumer reporting agency pursuant to 15 U.S. Code 1681a ( f ) The assignee as a consumer reporting agency is acting as and is a debt collector as pursuant to 15 U.S. Code 1692a ( 6 ) The assignee as a consumer reporting agency is acting as debt collectors pursuant to 15 U.S. Code 1692a ( 6 ) The assignee is my servicer and a holder for the original creditor servicing the credit balance held in the account as security interest of the consumer and obligor pursuant to 12 U.S. Code 2605 ( i ) ( 2 ) and 12 U.S. Code 2605 ( i ) ( 3 ) The assignee as creditor and servicer and holder of the security interest in the account entitled to the consumer are money transmitting business ( es ) pursuant to 31 U.S. Code 5330 ( d ) ( 1 ) The security interests that are the credit balances in excess of {$1.00} held in each reported account is entitled to the consumer as security interest held for the benefit of the obligor as pursuant to 15 U.S. Code 1666d in accord with 12 CFR 1026.11 - Treatment of credit balances ; account termination as well as 12 CFR 1026.21 - Treatment of credit balances as well as 31 CFR 306.11 All inaccurate accounts on the consumer report are to be deleted inclusive of all inquiries on the consumer report being in direct violation of 15 U.S. Code 1681b for no inquiry remaining is benefit of the consumer and removal of such is a private beneficial interest of the consumer Each assignee and creditor, being a servicer of the original creditor, operating as a money transmitting business, acting as consumer reporting agency and debt collector are liable for each assignee and creditor, being a servicer of the original creditor, operating as a money transmitting business, acting as consumer reporting agency and debt collector are hereby liable for civil liabilities pursuant to ; 15 U.S. Code 1640 ( a ) ( 1 ) 15 U.S. Code 1640 ( a ) ( 2 ) ( A ) ( i ) 15 U.S. Code 1641 15 U.S. Code 1644 15 U.S. Code 1681n 15 U.S. Code 1681o 15 U.S. Code 1693h ( a1 ) 15 U.S. Code 1693h ( a2 ) 15 U.S. Code 1693n 15 U.S. Code 1611 for violating the following ; 15 U.S. Code 1692e 15 U.S. Code 1692j 15 U.S. Code 1681b 15 U.S. Code 1692d ( 4 ) 15 U.S. Code 1692f 15 U.S. Code 1692g Therefore, respective consumer report per consumer reporting bureau is attached displaying each creditor for each account and inquiry in violation presenting evidence of the claims upon the face of the documented reports. Each consumer reporting agency is to pay twice the value of each credit balance reported by them respectively per report per credit reporting bureau and are to deliver check payable to XXXX XXXX XXXX to the address herein as payment and compensation for all actual damages and are to pay {$1000.00} per reported account for willful negligence as well as {$1000.00} for each false and misleading representation delivered to the obligor address for the consumer pursuant to 15 U.S. Code 1692j REPORTED ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX Account Information Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX Date Opened XXXX I declare and verify under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. 

In Good Faith Without Prejudice Under Duress By : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 











Notice of additional liabilities U.S. Code Title 18. CRIMES AND CRIMINAL PROCEDURE Part I. CRIMES Liabilities Charge 242. Deprivation of rights under color of law {$2000.00} 245. Federally protected activities {$2000.00} 246. Deprivation of relief benefits {$10000.00} 641 - Public money, property, or records {$10000.00} 642. Tools and materials for counterfeiting purposes {$10000.00} 643. Accounting generally for public money {$10000.00} 644. Banker receiving unauthorized deposit of public money {$10000.00} 648. Custodians, generally, misusing public funds {$10000.00} 649. Custodians failing to deposit moneys ; persons affected {$10000.00} 650. Depositaries failing to safeguard deposits {$10000.00} 651. Disbursing officer falsely certifying full payment {$10000.00} 652. Disbursing officer paying lesser in lieu of lawful amount {$10000.00} 653. Disbursing officer misusing public funds {$10000.00} 654. Officer or employee of United States converting property of another {$10000.00} 654. Officer or employee of United States converting property of another {$10000.00} 656. Theft, embezzlement, or misapplication by bank officer or employee {$10000.00} 657. Lending, credit, and insurance institutions {$10000.00} 661. Within special maritime and territorial jurisdiction {$10000.00} 662. Receiving stolen property within special maritime and territorial jurisdiction {$10000.00} 666. Theft or bribery concerning programs receiving Federal funds {$10000.00} 1344. Bank fraud {>= $1,000,000} 1348. Securities and commodities fraud {>= $1,000,000} 1349. Attempt and conspiracy {>= $1,000,000} 1962. Prohibited activities {>= $1,000,000} U.S. Code Title 15. COMMERCE AND TRADE Charge 77e. Prohibitions relating to interstate commerce and the mails {$10000.00} 77fff - Securities not registered under Securities Act {$10000.00} 77k - Civil liabilities on account of false registration statement {$10000.00} 77o.Liability of controlling persons {$10000.00} 77q - Fraudulent interstate transactions {$10000.00} 77w.Unlawful representations {$10000.00} 77z2a - Conflicts of interest relating to certain securitizations {$10000.00} 77l - Civil liabilities arising in connection with prospectuses and communications {$10000.00} 77kkk - Preferential collection of claims against obligor {$10000.00} 77ooo - Duties and responsibility of the trustee {$10000.00} 78t. Liability of controlling persons and persons who aid and abet violations {$10000.00} 78o8. Universal ratings symbols {$10000.00} 78o9. Study and rulemaking on assigned credit ratings {$10000.00} 78o10. Registration and regulation of security-based swap dealers and major security-based swap participants {$10000.00} 78o11. Credit risk retention {$10000.00} 78t1. Liability to contemporaneous traders for insider trading {$10000.00} 78r. Liability for misleading statements {$10000.00} 1681b. Permissible purposes of consumer reports {$1000.00} 1681n. Civil liability for willful noncompliance {$1000.00} 1681o. Civil liability for negligent noncompliance {$1000.00} I declare and verify under penalty of perjury under the laws of the United States of America that the foregoing is true and correct.

Company response to consumer: Closed with explanation