Consumer complaint received 2024-06-25 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: IN

Complaint narrative:
My name is XXXX, XXXX XXXX. I am sole heir and beneficiary to the legal name XXXX XXXX XXXX. I am also the authorized agent for principal account on behalf of XXXX XXXX with XXXX XXXX XXXX I am acting in good faith good conscience exercising my equitable rights within this complaint. On or about XX/XX/year> a delinquency/Charge Off was reported to my consumer report with Equifax. On behalf of my estate a trust relationship has been expressed on behalf of the XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, the trust name is XXXX XXXX XXXX XXXX LIVING TRUST to which all property, rights, titles, and interest has been conveyed to said TRUST. The trust relationship formed between XXXX XXXX the grantor with XXXX XXXX and its representing agents as acting Trustee. From my knowledge and belief they are to act in compliance and follow GAAP principles for double entry bookkeeping for all entries recorded in the transaction. This account represents a receivables account which to my knowledge has been transferred and assigned creating an issuance of securities with some Securitization trust. As the equitable title holder of all assets in relation to this account I was not made aware or fully disclosed of my assets becoming later securitized by XXXX XXXX acting to misrepresent the true status of the alleged debt obligation or liabilities. I am informing CFPB of my rightful intent holding equitable beneficial ownership rights, titles, and interest which is inalienable and I have priority claim with no intent to give any of my rights, titles, and interest to XXXX XXXX, as a gift without being justly compensated. I am notifying CFPB within this complaint that XXXX XXXX ( closed ) has committed identity theft by using my information to report to the Credit Reporting Agency EQUIFAX. As beneficiary to XXXX XXXX XXXX XXXX LIVING TRUST and as heir to XXXX XXXX XXXX XXXX, I have all priority beneficial rights, titles, and interest in all property/assets in anytime pertaining to and including names and account ( XXXX ) information with XXXX XXXX XXXX XXXX is in breach of their fiduciary duty by causing harm to my trust and estate by sharing incorrect, inaccurate, false and misleading representation of information without my expressed consent. This is a violation of Trust Law and principles of equity are also being violated against me as authorized agent/representative for XXXX XXXX. I need for XXXX XXXX, to provide their authority to share any of my privacy information regarding any alleged debt or accounts. How XXXX XXXX, came up with the alleged debt balance to report to Equifax? Failure to respond to this complaint will lead me to believe that XXXX XXXX, has used aggravated identity theft to furnish my information to EQUIFAX, XXXX, and XXXX. Please take note and be aware of their compliance to [ 18 USC 894 ] and [ 18 USC1028A ] this is in reference to XXXX XXXX, and any of its representatives committing identity theft or crimes against my Estate and Trust name and all property held in trust. I further believe to the best of my knowledge their acts to violate SEC and IRS and all matter are being further disputed and investigated.

Company response to consumer: Closed with explanation