Consumer complaint received 2024-03-29 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: NY

Complaint narrative:
XXXX, XXXX, and Equifax have caused and continue to cause a great deal of injury to me. in the course of these last 4 years, these companies have reported adversely on my credit profile. NO ADVERSE ITEM BESIDES THE CONVICTION OF CRIMES SHOULD BE ON MY REPORT! XXXX, XXXX, AND EQUIFAX ARE IN VIOLATION OF 15 U.S.C. subsection 1681c, and 15 U.S.C 6802-6805- Privacy notice, the credit companies and all companies are by law required to inform every obligation holder of their right to opt out every 30 days, without use of Factitious/ fictitious conveyance of language to which is not in practice in the required frequency. Because of this fact! XXXX, XXXX, and XXXX have reported adverse credit history of furnishers that were reporting incorrectly, and IS a factor in the reason why my accounts with XXXX XXXX XXXX XXXX XXXXXXXX ; have suffered!! ACCOUNTS : RE : XXXX XXXX ACCT : XXXX XXXX XXXX XXXX RE : XXXX XXXX ACCT : XXXX XXXX XXXX XXXX RE : XXXX XXXX ACCT : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX RE : XXXX ACCT : XXXX XXXX XXXX XXXX RE : XXXX ACCT : XXXX XXXX XXXX XXXX have either been CLOSED with XXXX BALANCES, and no adverse history OR credit limits severely lowered, greatly effecting my credit utilization ; which INJURES GREATLY my " credit worthiness '' This has caused me to be DECLINED for a SECURED XXXX CREDIT CARD ( XXXX XXXX XXXX XXXX : XXXX ) APPLICATION NO : XXXX, which based on XXXX SEC filing, and the ELECTRONIC FUNDS TRANSFER ACT, was TRANSFERED! SECURITIZED AND TRADED!!!! I WAS NOT TO BE DENIED!!!! THIS ALL has caused great economic hardship for myself and XXXX babies! 

12 CFR Subsection B : Open-End Credit : an OPEN END CONSUMER CREDIT PLAN, as a plan that consists of more than 4 installment payment, meaning all of the mentioned accounts are suppose to be open lines of credit! 

YET XXXX ; XXXX ; and XXXXXXXX XXXX are Closed! and XXXX, AND XXXX have a lowered the lines of credit! AND CONTINUE TO LOWER DISPISTE ME PAYING THEM! This is due to the reporting companies violating the PRIVACY ACT, and SELLING my private information to third parties to view this inaccurate information! and take adverse actions INJURING MYSELF AND MY FAMILY EVEN FURTHER!!! 

pursuant to the XXXX filing with the securities and exchange commission ; page 17 ) under credit cards : XXXX XXXX states : Our credit card products are loans we extend through open-ended revolving credit card accounts Page 45 ) Loan Receivables : XXXX XXXX states : are our largest category of assets and represent our primary source of revenue page 49 ) Securitization Financings : XXXX XXXX states : we access the asset-backed securitization market using the XXXX XXXX XXXX XXXX NOTE Trust ( XXXX  ) and the XXXX XXXX XXXX XXXX XXXX XXXX ) Through which we XXXX issue- backed securities through both PUBLIC Transactions and PRIVATE Transactions funded by financial institutions and commercial paper conduits. In addition, we issue asset-backed securities in private transactions through the XXXXXXXX XXXX XXXX XXXX XXXX ( XXXX ) page 72 ) XXXX XXXX further states : we use the securitization of loan receivables, which involves the transfer of loan receivables to a trust and the issuance by the trust of asset-backed securities to THIRD-PARTY investors, as a significant source of funding. 

XXXX XXXX has transferred my securities and monetized all of the applications for INSANE profits AFTER TRADING THE SECURITIES, SECURITY INTEREST AND KEEPING THE PROCEEDS! making me an investor!! For I UNKNOWINGLY GRANTED PERMISSION FOR THEM THE KEEP SERCURITY INTEREST AND SAID PROCEEDS. 

The Vice President of The Bank XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, agent Trustee for XXXX XXXX is in breech of Trust, the duties agreed upon by way of signature to the Securities Exchange commission and multiple counts of securities fraud, to which XXXX, XXXX, AND EQUIFAX ARE ALSO IN VIOLATION OF!! 

A Bona Fide Purchaser is defined as someone who exchanges value for property without any reason to suspect irregularities in the transaction. By definition, a bona fide purchaser can not have actual or constructive notice as to defects in the seller 's right to transfer title to the property. 

this being a fact with EVERY contract/security ever reported in my name with every agency!!! 

XXXX XXXX XXXX : ACCT : XXXX XXXX XXXX XXXX. : ACCT : XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX ACCT : XXXX XXXX XXXX XXXX XXXX XXXX ACCT : XXXX XXXX XXXX XXXX XXXX XXXX ACCT : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  ACCT : XXXX XXXX XXXX XXXX XXXX ACCT : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX : ACCT XXXX XXXX XXXXXXXX XXXX : ACCT : XXXX XXXX XXXX XXXX Further, the U.S. Department Of Education acct NO : XXXX, is considered a re aged appearance on the reports! surpassing 10 years!! and assigned a NEW servicer/purchased to which i have NO OBLIGATION to pay, because NOW it is reported INCOME!! IRS publication 4681 states that charge offs are considered as INCOME XXXX is the register mail number for the 1099c and security to which satisfies the " alleged '' obligation, that was received on XX/XX/XXXX, to which No Update regarding said account has been entered and reported. 

let it be known that the FAMILY EDUCATIONAL RIGHTS AND PRIVACY ACT, protects the privacy of student education records. 20 USC 1232g ( b ) This illegal reporting is further injuring the credit UTILIZATION in said reports!! AGAIN VIOLATING MY RIGHTS AND CAUSING INJURY! 


XXXX XXXX XXXX. : ACCT : XXXX, XXXX : XXXX is conditioned as closed and charged off!!! AGAIN! IRS publication 4681 states that charge offs are considered as INCOME!! and NOT to be reported on such reports!!! Note that I submitted a 1099c to report such income and require this remark be REMOVED INDEFFINETLY!! 

Also the XXXX XXXX XXXXXXXX : ACCT : XXXX XXXX XXXX XXXX ; was CLOSED due to the incorrect reporting on the credit reports, not based on my relationship with them! 

I called all the numbers available for XXXX and the automated system refused to allow me to speak to a customer service representative!! the reason for my call was to remove ALL NON MAILABLE ADDRESS! AND ALL PHONE NUMBERS THAT ARE NOT MINE! 
the ONLY ADDRESS THAT SHOULD BE ON ALL THESE REPORTS IS : XXXX XXXX XXXX, XXXX NEW YORK XXXX THE ONLY PHONE NUMBER THAT SHOULD BE REPORTED IS : XXXX the SERVICER for XXXX XXXX XXXX XXXX : XXXX, and XXXX XXXX XXXX XXXX ; XXXX XXXX ; is in review of the security sent to XXXX XXXXXXXX XXXX XXXX investor services department. RE XXXX XXXX XXXX XXXX, was received on XX/XX/XXXX, and the servicer XXXX XXXX sent correspondence stating they were NOT going to honor my security, but YET have NOT returned it! 

Based on their SEC filings, under receivables/ISSUING ENTITY PROPERTY : The primary assets of the issuing entity will be a pool of retail installment sale contracts secured by new and used automobiles... .The issuing entity will grant a security interest in the receivables and the other issuing entity property to the INDENTURE trustee on behalf of the noteholders. XXXX XXXX acting as Indenture Trustee under trustee agreement and Senior trust officer for XXXX XXXX XXXXXXXX, and the agent ; XXXX XXXX XXXX acting as Owner Trustee under the Trust Agreement, and Vice President for XXXX XXXX XXXX XXXXXXXX XXXX, have securitized my application/contract, sold it and STILL charge me late fees and demand payment! to which I NO LONGER GIVE THEM PERMISSION TO KEEP THE PROCEEDS OR ANY SECURITY INTEREST! SO I AM DUE INTEREST AND PROCEEDS!! 

the servicer XXXX XXXX has reported negative payment history on my reports! when all obligations HAVE BEEN MET! I OWE NO DEBT TO XXXX XXXX XXXX! IN FACT I AM OWED SECURITY INTEREST AND PROCEEDS! 

On XX/XX/XXXX, I entered a XXXX XXXX XXXXXXXX XXXX XXXXXXXX, located at XXXX XXXX XXXX XXXX XXXX New York XXXX after giving the loan officer my social security account number, I was denied access to my consumer credit to secure a home for myself and family which puts myself and children in direct danger of being homeless RE : XXXX To which the trustees XXXX XXXX and XXXX XXXX of XXXXXXXX XXXX are liable for breech of trust since said application/denial was transferred, securitized, and traded. concluding further securities fraud

Company response to consumer: Closed with non-monetary relief