Consumer complaint received 2022-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is the 3rd time of me complaining about accounts that are listed on my report that are in direct violation of my Consumer Rights. After this, if nothing is done I will seek legal counsel and press charges. 

XX/XX/XXXX XX/XX/XXXX The following are direct violations of my CONSUMER Rights in pursuant of : 15 USC 1681 Section 602 ( h ) - I have the right to privacy 15 USC 1681 Section 604 ( a ) ( 2 ) - A Consumer Reporting Agency may not furnish my information without the written consent/permissible permission.

15 USC 1692g Not one single 3rd Party Collection agency has the 1099-C for Charge off showing this debt is valid and I owe their company.

15 USC 1692c Neither have I given prior written consent for any debt collector to contact me. 


AFFIANT AFFIDAVIT of FACTS by AFFIANT XXXX XXXX XXXX on the XXXX day of the month of XXXX To the Addressee name and physical address as being : XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX, GA XXXX XXXX, PA XXXX This OFFICIAL DOCUMENT is forwarded to you via CERTIFIED MAIL with TRACKING : Certified Mail Tracking number is : _____________________________________________________________________ OFFICIAL COMPOSED AFFIANT JURAT in TESTIMONIAL STATEMENT OF FACTS _____________________________________________________________________ SUMMARY OF TESTIMONIAL FACTS Lawfully brought forward for consideration : THE AGREED STATEMENT OF FACTS is for the purpose of SATISFACTORY and TRUTHFUL REQUISITE consumer reporting and record keeping, specifically in respects to the nationally recognized three major credit reporting sources of XXXX, EQUIFAX, and XXXX XXXX as well as XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX among others as well as any entity of which may be involved in any manner with consumer reporting as related to this affiant of note hereby making this exact true and lawful AAF NOTICE ( Affiant Affidavit of FACTS ) on date displayed and notarized on by an official of the state lawfully in capacity to make such declaration. 

BE IT KNOWN and be it ACCEPTED the following FACTS : AFFIANT FORWARDED FACT # XXXX ) Affiant Full name is and only is XXXX XXXX XXXX XXXX FORWARDED FACT # XXXX ) Affiant TRUE AND COMPLETE RESIDENTIAL and XXXX XXXX NUMBER is and only is XXXX AFFIANT FORWARDED FACT # XXXX ) Affiant TRUE AND COMPLETE RESIDENTIAL and MAILING Street Name is and only is XXXX XXXX, XXXX XXXX AFFIANT FORWARDED FACT # XXXX ) Affiant TRUE AND COMPLETE RESIDENTIAL and MAILING CITY Name is and only is XXXX AFFIANT FORWARDED FACT # XXXX ) Affiant TRUE AND COMPLETE RESIDENTIAL and MAILING STATE Name is and only is Texas AFFIANT FORWARDED FACT # XXXX ) Affiant TRUE AND COMPLETE CURRENT SOCIAL SECURITY NUMBER is and only is XXXX AFFIANT FORWARDED FACT # XXXX ) Affiant TRUE AND COMPLETE CURRENT DATE OF BIRTH is and only is XXXX AFFIANT FORWARDED FACT # XXXX ) Affiant hereby officially REMOVES any and all authority for YOU or any entity to, retain, report, use, transfer, sell, accept or else wise ANY NOT REQUISITE information related to affiant, true or not. This consumer ERADICATION of your authority is effective TODAY, even here and now. 

AFFIANT FORWARDED FACT # 9 ) Affiant hereby makes a lawful DEMAND in request for adequate and provable physical document verifiable PROOF in undeniable and irrefutable validation of any and all items of derogatory and or adversary matter for which you have, have had, or may have in future, true or not.

AFFIANT FORWARDED FACT # 10 ) Affiant announces consumer right to make composed, writ or otherwise, challenges to any uncertainty of certificates as above requested or otherwise any and all deficiency ( ies ) of testimonial certificate of absolute clarity in any and all data and or information for which you now, have in past, r may in future possess through any means from any source for any reason!

Correct or delete inaccurate information. A consumer reporting agency must correct or, as the case may be, delete entries from any consumer 's credit file the information that is found to be inaccurate or can no longer be verified as entirely fully current, true, correct, complete, timely, of consumer 's ownership, of consumer 's responsibility, absolute and irrefutably compliant to any and all reporting laws and regulations, proven by testimonial document certificate of that compliance alleged, or else wise as requisite of reporting, be it mentioned or not by the consumer.

Investigate disputed information. If consumer tell a consumer reporting agency that your file contains inaccurate information, the agency must promptly investigate the matter with the source that provided the information.

Consumers may seek damages from violators. If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, consumers may be able to sue in state or federal court.

States may enforce the FCRA, and many states have their own consumer reporting laws. In some cases, you may have more rights under state law. Affiant does as now today, here and now, demand in request that the receiver of this AAF NOTICE ensure that all affiant state laws are abided without fail, any deficiencies will result in affiant seeking of favorable resolution in a civil court of affiant selection. Federal and state laws are NOT ignorable by any entity, whether willfully or in ignorance.

e-OSCAR, a Metro 2 compliant is an automated system that enables Data Furnishers ( DFs ), and Credit Reporting Agencies ( CRAs ) to create and respond to consumer credit history disputes. ANY AND ALL ENTITIES of reporting must be reporting certifiably in adequate and complete correct Metro 2 format reporting, absolute and perfect Metro 2 format is mandated and is not optional. I request in demand any and all certificates of proof of such alleged compliant reporting and further the CERTIFICATION of the reporters of their certified Metro 2 format training, or else eradicate any and all allegations of adversary and or derogatory nature, contested by affiant or not, mentioned or not, true or not. COMPLIANCE is MANDATED, demonstrate such in absolute clarity!

Please make notice to this declaration being that one and in of the same as an Affiant acknowledgement of AFFIANT INTENTION of future civil suit for favorable affiant resolution should addressee of this AAF NOTICE ( Affiant Affidavit of Facts Notice ) be of derelict collection and or reporting of not proven compliant allegations of injurious adversary and or derogatory claims, particularly any and all items of which affiant has here in this statement made notice to in composition.

I demand in request that receiver of this declaration accept it as being officially my CONSUMER DECLARATION to ANNUL ALLEGED DATA not requisite reported or else wise not as required CERTIFIED in its entirety as being fully current, true, correct, complete, timely, of affiant 's ownership, of affiant 's responsibility, certifiably compliant to all collection and or reporting laws, and or with proven testimonial and documented certificate of said compliant as is mandated by law. Affiant today, here and now, demands receiver to CEASE activity ( ies ) of adversary or derogatory nature versus affiant, even those of collection and or reporting, or else any action even if not here mentioned! 

TODAY IS XX/XX/XXXX FROM ME : XXXX XXXX XXXX This here document declaration to include the following notarized section ( XXXX ) shall serve as unmistaken lawful AFFIANT AFFIDAVIT of FACTS by me, the affiant. This document declaration in its entirety is issued to you as being a provable affidavit that is a sworn voluntary, sworn written statement, sworn desired. 

My name is that same as of the noted of the affiant, I am the person providing the statement, I am as well mentioned in the affidavit and as the true affiant understand now and in future of fact I am and was required to sign the affidavit in the notary 's presence, as is done. 

XXXX XXXX XXXX XXXX ) Before me, the undersigned notary public, this day, personally, appeared to me known, who being duly sworn according to law, deposes the following : I demand eradication of alleged claims, be them or not be them debts, to be satisfied and settled in full or else wise annulled without prejudice and or injury to me the consumer alleged of unproven debt and or adversary and or derogatory claims. I demand absolute proof of any debts alleged, account history alleged, ownership alleged, responsibility alleged, truth as reported, accuracy as reported, completeness as reported, timeliness as reported, and full compliance as reported o otherwise attempted in the collection. Deficient of requested document testimony in composed writ form, you must cease reporting and equivalently reporting of this unfounded claim of derogatory debt. 

All Rights Reserved Without Prejudice, XXXX XXXX XXXX XXXX The following are direct violations of my CONSUMER Rights in pursuant of : 15 USC 1681 Section 602 ( h ) - I have the right to privacy XXXX XXXXSC 1681 Section 604 ( a ) ( 2 ) - A Consumer Reporting Agency may not furnish my information without written consent/permissible permission. 
15 USC 1692g Not one single 3rd Party Collection agency has the 1099-C for Charge off showing this debt is valid and I owe their company.

15 USC 1692c Neither have I given prior written consent for any debt collector to contact me. 

XXXX XXXX XXXX XXXX XXXXotentially Negative _____________________________________XXXX XXXX XXXX XXXX XXXX Potentially Negative ________________________________________ XXXX XXXX XXXX XXXX Potentially Negative _______________________________________XXXX XXXX XXXX XXXX XXXX Potentially Negative ________________________________________ XXXX XXXX XXXX XXXXXXXX Potentially Negative _______________________________________XXXX XXXX XXXX XXXX XXXX XXXX Potentially Negative ________________________________________ XXXX XXXX XXXX XXXX XXXX Potentially Negative ________________________________________ XXXX XXXX XXXX XXXX XXXX Potentially Negative ________________________________________ XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Potentially Negative ________________________________________ XXXX XXXXXXXX XXXX XXXXXXXX - XXXX Potentially Negative ________________________________________ XXXX XXXX XXXX Potentially Negative ________________________________________ XXXX XXXX XXXX - XXXX XXXX XXXX ________________________________________ XXXX XXXX XXXXXXXX Potentially Negative ________________________________________ XXXX IXXXX XXXX XXXX Potentially Negative ________________________________________ XXXX XXXX XXXX XXXX - XXXX Potentially Negative

Company response to consumer: Closed with explanation