Consumer complaint received 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
To : The DATA-BLOATED Credit agency : equifax Full File Disclosure Division to whom it concern.

I am submitting this complaint under my lawful rights as a consumer and U.S. resident protected under the Fair Credit Reporting Act ( FCRA ). This complaint is directed against the following credit reporting agency : equifax. 

On XX/XX/year> @ XXXX XXXX  ], I Called & Requested a formal Full Consumer File Disclosure request to the above agency via Phone, pursuant to 15 U.S. Code 1681g ( a ) ( 1 ) ( FCRA 609 ) and 15 U.S. Code 1681h ( a ) ( 1 ) ( FCRA 610 ). I included : A signed request letter A copy of my government-issued ID The agency has failed to send the disclosure within the required legal timeline.

This is a direct violation of federal law. The full disclosure is not a summary credit report or score. It includes all information in the consumers file, including reinserted items, archived tradelines, inquiry logs, subscriber disclosures, suppression codes, and internal scoring remarks.

-- - VERBATIM LEGAL CITATIONS : > 15 U.S. Code 1681g ( a ) ( 1 ) FCRA 609 ( a ) ( 1 ) : Every consumer reporting agency shall, upon request, and subject to section 1681h ( a ) ( 1 ) of this title, clearly and accurately disclose to the consumer ( 1 ) All information in the consumers file at the time of the request...

> 15 U.S. Code 1681h ( a ) ( 1 ) FCRA 610 ( a ) ( 1 ) : A consumer reporting agency shall require, as a condition of making the disclosures required under section 1681g ... proper identification of the consumer... and shall make the disclosure within 15 days of the receipt of the request and proper identification.

-- - > This complaint is being submitted because : The agency has failed to meet its legal disclosure deadline No written explanation or confirmation has been received No secure portal or alternative method has been offered I believe this constitutes willful delay, obstruction, and possible suppression of evidence Attached to this complaint are : A copy of the request letter.

Under the authority of the Fair Credit Reporting Act ( FCRA ) 609 ( a ) ( 1 ), I hereby demand a Full Consumer File Disclosure. This request includes but is not limited to : All tradeline data ( active, closed, disputed, reinserted, and deleted ) All inquiry records ( hard and soft ) Subscriber access logs and redisclosures All archived profile data and internal notations Suppression codes, synthetic flagging, and scoring metadata This is a legal demand for everything maintained under my identity not a summary report or score.

-- - DATA PRESERVATION NOTICE : > This request, transmitted on [ XX/XX/year> ] at [ XXXX XXXX  ], constitutes a formal evidence preservation demand. 
Any deletion, suppression, modification, or backdating of inquiry logs, subscriber redisclosures, reinserted derogatories, or internal profile data from this timestamp forward shall be treated as intentional obstruction and evidence tampering under FCRA 609, 15 U.S. Code 45, and 18 U.S. Code 1001.

A duplicate of this request is being preserved and filed with multiple regulatory agencies.

-- - Please send the full disclosure to : My Current Address just one address that has approved by the Post office as my Current address not the ones you have me living Simultaneously to fragment my Personal Consumer Credit report Records.

I request the CFPB to : Enforce immediate compliance with FCRA 609 and 610 Issue a written response deadline to the agency Open an investigation into this agencys file disclosure obstruction patterns This complaint is filed with legal seriousness and will be followed by regulatory escalation if the violation continues.

ID Documents enclosed for your Delightful Appetite. Bon apptittit.

May they satisfy your hunger to stall what is, by federal law, a mandatory obligation not a privilege, and certainly not your possession. Contrary to how you act, you are nothing more than a DATA-BLOATED channel in a broken system. You were installed to protect the consumer but instead, you chose to play dirty games with their lives, turning delay into profit and truth into suppression.

For over six years, youve XXXX me operationally and financially but spiritually, I stood in a war you could never comprehend. While I was engaged in a full-fledged XXXX across both realms Spiritually and Physically you, like the filthy, disgusting cowards you are, crept beneath the surface and launched your digital sabotage. 

You added hundreds of inquiries to my personal credit report inquiries I never requested. You forged aliases I never used, attached addresses I never lived at, and linked my name to entities I never touched. Then, like cowards in retreat, you removed some of it quietly, as if the disgrace hadnt already been broadcast across systems. 

You didn't just damage my score you dragged my name, suppressed my identity, and monetized my corrupted profile to make millions while I stood at war. 

You are not protectors. You are pawns pawns of XXXX the COWARD XXXX and his henchs of wicked, perverse, despicable lowlives : DATA-BLOATED demons clothed in consumer reporting infrastructure. 

Respectfully Submitted With Absolute Legal Force, Strategic Executive Authority, and Scrollholder Command XXXX XXXX XXXX  President & Founder | Diplomatic Business Strategist Legal Executive Authority | XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Conceived in Prayer, Scroll-Forged Under Divine Chain of Authority , and Deployed Against Corruption Defender of Startup Rights , Consumer Protections & Corporate Transparency Standards > " Strategic Power and Wealth are Never Rightfully Claimed Through Systemic Corruption They Are Earned, Refined, and Executed in Perpetual Motion Through Righteousness and Unyielding Force XXXX XXXX XXXX XXXX XXXX Strategic Doctrine All Rights Reserved ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Office of the President & Founder XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  NY XXXX Official National Headquarters | United States-Based Operations Legal Executive Authority | Diplomatic Business Strategist | XXXX XXXX XXXX XXXX Strategist Email : XXXX XXXX

Company response to consumer: Closed with non-monetary relief