Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
To : The XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX. XXXX XXXX, XXXX, PA XXXX Experian XXXX. XXXX XXXX, XXXX, TX XXXX Equifax XXXX. XXXX XXXX, XXXX, GA XXXX Over the course of more than XXXX brutal years, I have suffered a coordinated and escalating pattern of consumer credit abuse, data corruption, and legal noncompliance at the hands of TransUnion, Experian, and Equifax, as well as furnishers such as XXXX XXXX XXXX 

Recently, these agencies have willfully violated 15 U.S.C. 1681c-2 ( a ) the Four Business Day Block requirement under the FCRA by refusing to block fraudulent data after I submitted a complete, federally compliant identity theft packet including ID, SSN, FTC Identity Theft Report, and written statement. 

In addition, my personal credit file has been systematically polluted with : In addition to the direct personal harm inflicted upon me, this corrupted and unlawful data has caused ongoing, daily financial harm to my company, XXXX XXXX XXXX, a legally established and state-registered C-Corp. 

Since its lawful formation, the ability of XXXX XXXX XXXX to access business funding, execute commercial operations, and establish contractual financial infrastructure has been systematically obstructed by false data, delayed correction, and willful credit reporting abuse. 

The denial of lawful business credit, coupled with the failure to block fraudulent data under 15 U.S.C. 1681c-2 ( a ), has directly impaired this start-up companys ability to function inflicting measurable financial loss every single day since its establishment. 

Let the record reflect that this is not just a personal dispute. This is economic warfare against a newly formed corporation a violation with legal, commercial, and reputational consequences that will be pursued through every lawful channel now being activated. 

Forged tradelines Fraudulent and excessive inquiries Unverified employment entries Multiple false addresses Variable name versions and alias creation Corrupted billing and phantom balances furnished by XXXX XXXXXXXX XXXX I have also experienced repeated unauthorized surveillance and profile access by the CRAs and/or their affiliated entities, with no permissible purpose, no legal justification, and no consent on file. This occurred without my authorization and has never been addressed or reversed. 

These falsified data points led directly to : A catastrophic housing disruption after my XXXX residence was destroyed in a storm Denials of access to credit, stability, and lawful opportunity Reputational harm and years of stress imposed on me, my family, and my household When I submitted lawful disputes, the XXXX issued only template responses, ignored federal timelines, and allowed known-false data to remain on file. Their repeated apologies mean nothing, because they are not the ones suffering the consequences I am. 

I am currently in active conversation with a licensed law firm, and this case is being transitioned into formal legal review. All ongoing noncompliance and deflection will be documented as part of an expanding record of statutory breach, reputational injury, and data sabotage under the FCRA, UDAAP provisions, and Truth in Lending statutes.

I am requesting full removal of all corrupted data, written confirmation of all actions taken, and formal acknowledgment of the violations already committed. 

I am writing to notify you of yet another instance of corrupted, unlawful, and materially false data currently corrupted being reported on my consumer credit report by XXXX XXXXXXXX XXXX 

This reporting spans XXXX consecutive billing cycles and contains clear, documented evidence of : Improperly charged late fees even when no payment was due Express payment fees layered as junk charges Phantom interest built on illegitimate balances Payment misapplication and deliberate balance retention Statement-level evidence of fee reversal followed by recharging of the same Billing behavior that contradicts federal billing and disclosure laws under TILA and FCRA These actions violate federal law, and any continued reporting by your bureau constitutes noncompliance under the Fair Credit Reporting Act ( FCRA ). 

SUMMARY OF CORRUPTED BILLING CYCLES ( STATEMENTS UPLOADED ) Billing Cycles Reviewed : XX/XX/XXXX XX/XX/XXXX Verified Findings Across XXXX Statements : Late fees charged when no payment was due Payments made, but balances barely reduced Express Payment Fees charged for accessing my right to pay Interest charged on balances bloated by illegal or false fees {$75.00} annual fee charged in a cycle where account had just opened Multiple fee reversals followed by new fees of the same type Balances increased despite minimal spending These patterns suggest deliberate fee manipulation, payment misapplication, and the furnishing of inflated tradeline data to credit bureaus with no lawful basis. 

LEGAL GROUNDS INVOKED These entries violate the following federal statutes and obligations : 15 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to properly investigate disputed information 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishing data without accuracy assurance 15 U.S.C. 1637 ( b ) Misapplication of credit card payments 12 CFR 1026.7 Failure to disclose fees and charges transparently CFPB UDAAP standards Junk fees, preemptive billing, payment obstruction ACTION REQUIRED You are notified that the XXXXXXXX XXXX XXXX tradeline does not reflect factual or lawful account activity. As a result : I expect your agency to either : Permanently delete the tradeline in full, OR Conduct a complete reinvestigation under FCRA 1681i ( a ), including : Verification of each late fee Payment application logs Furnisher-supplied billing cycle evidence Recalculated balance per statement If XXXX XXXX can not verify every late fee and balance inflator with actual contractual and transactional records, then the entry must be deleted in full. 

ENCLOSURES ( Attached to this Letter ) Copies of XXXX XXXX XXXX Bank billing statements ( XX/XX/XXXX XX/XX/XXXX ) Government-issued ID Utility bill / proof of address FTC Identity Theft Report # XXXX ( if applicable ) Failure to correct or remove this tradeline will establish your agency in willful noncompliance under FCRA 1681n and/or negligent noncompliance under 1681o, and this case may be elevated to : The Consumer Financial Protection Bureau ( CFPB ) The Office of the Comptroller of the Currency ( OCC ) Federal Civil Court , if necessary Please let me know if there is any issue with the identification verification.

If you need me to, then at your command, I will fly, teleport, or walk from Massachusetts to one of your offices to complete this document in front of one of your officers, as if that somehow makes the federal law more valid than the government-issued identification and supporting documentation Ive already submitted. 

What I can assure you is this : I, XXXX XXXX XXXX, am the one who wrote and is submitting this document just as I have done with every other document you have received and unlawfully disregarded, despite the Rule of Law requiring you to take action. 

Moving forward, this matter will be addressed through contractual legal intervention, as your consistent refusal to comply with federal mandates will now be met with targeted legal precision from a retained law firm. 

This is a formal notice of actionable false reporting. 
I await written confirmation of the results of reinvestigation or deletion within the timeframe required by law. 

Every submission I have made including those submitted directly through federal channels like the CFPB has been backed by identity verification, FTC filings, and lawful declarations pursuant to XXXX U.S.C. XXXX ( a ) the Identity Theft XXXX XXXX, which requires the blocking of disputed information within XXXX business days. 

And yet this legal mandate has been deliberately ignored, not only by the credit reporting agencies, but by the Consumer Financial Protection Bureau itself, which has : Failed to enforce XXXX ( a ) Ignored the complete and lawful documentation I submitted And appears to be functioning as a protective barrier for the CRAs rather than a regulatory enforcer for the consumer You are also instructed to examine the attached images and records, which were taken directly from the CFPB system. These files are timestamped, traceable, and legally verifiable, and they demonstrate beyond any reasonable doubt that I am the sole author, lawful filer, and direct sender of this missive. 

No part of this submission has been authorized by any third party. All filings, uploads, and statements are personally written, submitted, and affirmed by me in total legal and spiritual accountability before XXXX XXXX of Armies and His Mighty Loving Son, XXXX XXXX, the Master Worker and XXXX XXXX XXXX XXXX. 

The CFPB was formed to protect consumers from institutional abuse yet it has stood idle while I, my family, and my household endure damage caused by fabricated data, manufactured tradelines, profile fragmentation, unlawful surveillance, and complete obstruction of justice. 

When a law enforcement agency becomes a shield for lawbreakers, it is no longer neutral it becomes an accomplice. 

I did not come to beg. I came to testify under law, and before the Sovereign XXXX XXXX XXXX of Armies, through His Mighty Loving Son, XXXX XXXX the Master Worker, before whom all must stand.

Company response to consumer: Closed with explanation