Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX Trans Union, Equifax and XXXXPlaintiffs mortgage servicer was XXXX XXXX XXXX When the pandemic began, just like many other homeowners, the plaintiffs were hit with financial stress and qualified for and agreed to a forbearance. Despite the forbearance agreement, XXXX XXXX XXXX began reporting to Trans Union, Experian, and Equifax that plaintiffs were late on their mortgage payments. Despite multiple disputes, XXXX XXXX XXXX, Trans Union, Experian, and Equifax all failed to correct the inaccurate reporting, and the XXXX suffered financial damage as a result. 

LaPeruta v. Experian, TransUnion, Equifax and XXXX. Plaintiffs credit reports are inaccurate. The inaccurate information is at least two accounts from the XXXX XXXX XXXX XXXX social security XXXX XXXX addresses ; and phone numbers that do not belong to her but belong to another person. Due to the faulty procedures of Experian, TransUnion, and Equifax, the Plaintiff was mixed with at least one other consumer on her credit reports. Plaintiff disputed the inaccurate information, which was not corrected by any of the bureaus. She was denied a mortgage. 

18 U.S.C. 241, also known as the " Conspiracy Against Rights '' statute, is a U.S. federal law that criminalizes conspiracies to interfere with the exercise of rights secured by the Constitution or laws of the United States.Specifically, it prohibits two or more people from agreeing to injure, oppress, threaten, or intimidate someone in the free exercise or enjoyment of any right or privilege secured by federal law or the Constitution.Violations can result in fines, imprisonment for up to ten years, or, if death or certain other serious felonies result, even life imprisonment or death.

As the Supreme Court recently noted, 28 U.S.C.

1367 provides litigants an opportunity to pursue complete relief in a federal-court lawsuit. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX codified the concept of pendent or ancillary jurisdic- tion set forth in XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX XXXX ( XXXX ) .1 The section also provides the statutory basis upon which a federal district court can exercise subject matter jurisdiction over a state law claim that could not, by itself, be brought in fed- eral court if such a claim arises from the same set of operative facts that form the basis of the underlying federal claim. Specifically, XXXX ( a ) provides, in rel- evant part, that district courts shall have supplemen- tal jurisdiction over all other claims that are so related to claims in the action within [ the courts ] original jurisdiction that they form part of the same case or controversy under Article III of the United States Constitution. 28 U.S.C. 1367 ( a ) ( emphasis added ).

In other words, the case or controversy formula- tion set forth in Article III of the Constitution confers supplemental jurisdiction over state law claims that arise out of a common nucleus of operative facts with substantive federal claims.2 In determining whether multiple disputes arise from a common nucleus of operative facts, the Second Circuit asks whether the facts underlying the claims before it substantially over- lap or whether the federal claim necessarily brought the facts underlying the state claim before the court. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Thus, the determination at the XXXX of the question of whether or not a district court possesses supplemental jurisdiction is fact-based and is necessarily made on a case-by-case basis. A district court must therefore conduct a close examination of the facts it in each case underlying the federal and state claims to ensure that the facts derive from a single occurrence or set of facts. 


REMOVAL OF XXXX ACCOUNT : XXXX AND DEROGATORY MARKS IMMEDIATELY RELATED TO THIS XXXX FINANCE ACCOUNT, ALSO CAPITAL ONE 'S ACCOUNT : XXXX AND ALL DEROGATORY MARKS IMMEDIATELY!!! XXXX. 

XXXX XXXX XXXX ACCOUNT : XXXX WORLD ACCEPT ACCOUNT : XXXX XXXX IMMEDIATELY!! ! XXXX ALONG WITH REMEDIES FROM EACH CREDIT BUREAU OF A {$1000.00} FOR EACH VIOLATION AS FOLLOWS : XXXX. VIOLATION OF PRIVACY XXXX. DETRIMENTAL HARM TO CONSUMER AND FAMILY. 
XXXX. NON-COMPLIANCE TO CONSUMER DISPUTES FROM PAST. 
XXXX. ILLEGALLY SELLING OF INFORMATION TO THIRD PARTIES WITHOUT PERMISSION. 
XXXX. FLASELY REPORTING INACCURATE INFORMATION ON CREDIT REPORTS. 

THAT THIS DEBT OBLIGATION BE MEET WITH LEGAL TENDER IN THE AMOUNT OF {$1000.00} FOR EACH VIOLATION!! ! XXXX, AND THAT PAID OBLIGATION BE SENT THROUGH XXXX. POSTAL TO : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. 

The Executor of The Estate of : XXXX XXXX XXXX of the [ XXXX XXXX ] XXXX XXXX OF XXXX RIGHTS XXXX XXXX ( Relization ) ARTICLE XXXX Everyone is entitled to a social and international order in which the rights and freedoms set forth in this Declaration can be fully realized. 

ARTICLE XXXX Nothing in this Declaration may be interpreted as implying for any State, group or person any right to engage in any activity or to perform any act aimed at the destruction of any of the rights and freedoms set forth herein. 

REMOVAL OF XXXX ACCOUNT : XXXX AND DEROGATORY MARKS IMMEDIATELY RELATED TO THIS XXXX FINANCE ACCOUNT, ALSO CAPITAL ONE 'S ACCOUNT : XXXX AND ALL DEROGATORY MARKS IMMEDIATELY!!! XXXX. 

XXXX XXXX XXXX ACCOUNT : XXXX WORLD ACCEPT ACCOUNT : XXXX XXXX IMMEDIATELY!! ! XXXX ALONG WITH REMEDIES FROM EXPERIAN CREDIT BUREAU OF A {$1000.00} FOR EACH VIOLATION AS FOLLOWS : XXXX. VIOLATION OF PRIVACY XXXX. DETRIMENTAL HARM TO CONSUMER AND FAMILY. 
XXXX. NON-COMPLIANCE TO CONSUMER DISPUTES FROM PAST. 
XXXX. ILLEGALLY SELLING OF INFORMATION TO THIRD PARTIES WITHOUT PERMISSION. 
XXXX. FLASELY REPORTING INACCURATE INFORMATION ON CREDIT REPORTS. 


TO BE SENT BY : Legal Tender, in the Form of a Check For Payment To XXXX XXXX XXXX XXXX XXXX as Follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA. XXXX UNIVERSAL DECLARATION OF HUMAN RIGHTS ARTICLE XXXX ( Relization ) ARTICLE XXXX Everyone is entitled to a social and international order in which the rights and freedoms set forth in this Declaration can be fully realized. 

ARTICLE XXXX Nothing in this Declaration XXXX be interpreted as implying for any State, group or person any right to engage in any activity or to perform any act aimed at the destruction of any of the rights and freedoms set forth herein. 

The Executor of The Estate of : XXXX XXXX XXXX of the ( XXXX Clan )

Company response to consumer: Closed with non-monetary relief