Consumer complaint received 2022-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
RE : Serious Organized Criminal Acts, Violations of Federal Laws, XXXX  Discrimnatory & maliciously took my more than XXXX time asset. 

XXXX bank has corrupted, criminally keep trying to destroy me and my family for past XXXX. 

XXXX. I have been receiving repeated so many new threats, rude, harrassing, false claim collections phone calls already paid amounts during the Bankruptcy caused by XXXX Bank ( TCF ), which never claimed it before by the XXXX Bank. It is a violation of the Laws of the U.S. Federal Bankruptcy Court, Federal Banking Law, and committing serious crimes. No one is ever responding or answering any of my phone calls. XXXX bank has never sent correct statements, or bills. 
A. My Line of Credit account statement suddenly showing total amount is {$17000.00} and {$44000.00}. 
a. My credit line of line of credit has been {$30000.00} for 15 years. I have never late or missed any single payment for the past 15 years. 
b. I have never asked XXXX bank to increase the credit line, nor XXXX bank asked me increase {$10000.00} credit line especially during the bankruptcy criminally, illegally created and caused by XXXX Bank. 
c. I have been paying all the property taxes, insurances and other for the past XXXX on my properties. 
d. I have never asked XXXX bank {$10000.00} nor XXXX bank offered me {$10000.00} during the bankruptcy. As you can see XXXX bank has been trying to take more money from me illegally, harassing, making me miserable, and destroy me for XXXX to cover up the malicious, illegally, criminally, falsely, and corrupted taking my {$3.00} XXXX properties and repeated XXXX discrimnatory serious crimes. XXXX bank never gave me {$10000.00}, or cant claim {$10000.00} during the bankruptcy. 
XXXX XXXX bank suddenly set up escrow account criminally and asking me to pay the payments for my line of credit account of {$30000.00}. Past XXXX, I have never paid any escrow account payment. There was no escrow account from the beginning. Setting up any escrow account without asking me of my line of credit account. 
XXXX XXXX Bank never paid any insurance of property taxes especially criminally caused and created by XXXX Bank. 
g. I have been paying all the insurance and taxes by myself all the time for the past 38 years. 
h. I spoke to managers and bankers of local XXXX Bank XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Ohio, XXXX at XXXX XXXX and many other times. Managers have been repeatedly telling me that it is absolutely wrong and illegal setting up escrow account for {$30000.00} line of credit. 
i. XXXX Bank is the main mortgage account holder of my home loan of {$150000.00} and set up my escrow account. 
j. I paid off the total XXXX Bank mortgage amount of {$180000.00}, in spite of my repeated request to remove the lien of {$180000.00}, didnt clear the paid {$180000.00} my mortgage lien for the past 18 years illegally and criminally. I have paid the payment two ( 2 ) times higher interests and paid {$20000.00} more payment over the 15 years to the XXXX Bank. 
XXXX XXXX Bank illegally has been claiming already paid amount of {$180000.00} again and again for the paid mortgage XXXX ago, even several times criminally to the Federal Bankruptcy Court during the Bankruptcy. 
XXXX XXXX Bank must remove the lien on my property or reduce to {$30000.00}, and shouldnt claim falsely, illegally, criminally, and discrimnatory with corruption. 
m. I have never missed, or late any payments for the past XXXX this account, but XXXX Bank has been claiming falsely, criminally reporting delinquent of my payments, late fees, and interests to the XXXX Credit Bureaus XXXX and keep lowing my credit scores all the way to the bottom. It is serious federal crimes and abuse of senior citizens. 
XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, and many officers of XXXX Bank Credit Department and Escrow Department are trying to collect more money already paid by Federal Bankruptcy Court and criminally took my properties. I had to spent 1-2 hours each time. It is against laws : Federal Bankruptcy, Violation of Collection Laws., They are from all different department and collection Companies, collection law firms. 
Threatening innocent Senior citizens criminally, XXXX XXXX was telling me to listen to him and pay it. 
XXXX Bank collection and credit department has been calling me 5-6 times every day and has been asking me to pay escrow account of insurance and tax payment total {$17000.00} and {$4100.00}. I have been paying my taxes and insurance premiums for the past XXXX. 
I have not received correct bill/statement for the payment since XXXX, XXXX and XXXX of XXXX despite of my request of correct amount and the correct statement. XXXX bank has been continually threatening, and harrassing me every day without any correction or correcting statement make me every time spending hours on the phone from different offices and different people. 
XXXX XXXX Bank ask me to contact Escrow department or legal Department of XXXX Bank, but they have never taken any of my phone calls. 

XXXX XXXX Bank has committed serious malicious XXXX discrimnatory, crimes to destroy me, my family, innocent senior citizens and my family for the past XXXX. 

XXXX. XXXX bank has already committed serious malicious XXXX discrimnatory and financial terror crimes taking my lifeline of money over {$35.00} XXXX criminally. 
a. My total loan balance was only {$520000.00} and paid without any problems for the past XXXX. 
XXXX XXXX bank vice president XXXX XXXX blocked me from paying off my entire loan payments with corruption of his friend, XXXX XXXX XXXX, retired XXXX. XXXX XXXX asked me to use him to pay off the loan, c. I already had three landers wanted to pay off my entire loan amount. XXXX XXXX didnt allow me to pay off the entire loan to the XXXX Bank XXXX These criminal acts of XXXX Banks internal crime involved XXXX XXXX, XXXX XXXX, and XXXX XXXX, and many other officers. 

XXXX. My repeated requests of internal investigation of illegal Corruption, XXXX Discriminatory illegal banking, attacks, malicious criminal business practice, malfunctioning, irreparable, outdated, malfunctioning, not generating confirmation code for the paid payments and faulty computer system and knowingly charging again and again late fees, already paid amounts. 
a. I investigated XXXX Banks malfunctioning computer banking system, and criminally charging illegal fees. Because all of the bankers, employees denying the faulty system. 
b. The top manager of XXXX Bank XXXX banking system and top Bank management officers well aware of their malfunctioning computer system. The XXXX Bank computer system has never generated any confirmation code or track the payment for years at the time. 
c. The top manager notified me that the XXXX Bank Computer banking system was so outdated, irreparable, or unfixable. XXXX Bank must purchase a new system. 
d. But XXXX Bank did not have enough money to buy a new system and the XXXX Bank was bankrupt. 
XXXX XXXX XXXX and other XXXX Bank managers denied the malfunctioning their system and they have charged me {$100.00} fees each time already paid my loan payments. I have never paid late or missed any single payment for over 30years at the time and my credit score was XXXX. 

XXXX. Thats why XXXX Bank accused me illegally, maliciously, racially Discriminatorily targeted me and taking more than 5.5 times lifesaving assets than my total loan amount of {$520000.00}. I lost more than {$3.00} XXXX and serious damages by XXXX Banks XXXX XXXX Bank ) illegal acts. 
XXXX. No other people knew or complaining about their computer malfunctioning bank system and corruption. 
I have never had any problems with XXXX XXXX Bank for the past XXXX, and any other banks, my credit score was XXXX. 
XXXX. XXXX Bank did not release the XXXX Bank customers lien at the XXXX XXXX XXXX already paid loan payments of so many their clients. 
XXXX XXXX Bank has claimed XXXX ago paid entire my home loan payments repeatedly many times b. During the bankruptcy repeatedly claimed {$180000.00} and my bankruptcy attorneys didnt know about that and I had to tell the Bankruptcy court to correct it again and again. 
XXXX Even today XXXX Bank didnt clear my lien already paid amount. 
XXXX Because XXXX Banks illegal operation I had to pay XXXX Bank 2-3 times higher rate loan for more than XXXX and I paid {$20000.00} - {$30000.00} more because of the XXXX Banks illegal criminal banking business . 
e. It is clearly showing XXXX Banks criminal banking business and the evidence of why they are charging repeatedly. 
f. There are currently so many victims created by XXXX Bank XXXX 
XXXX. Since XXXX Bank purchased the XXXX XXXX XXXX Bank, XXXX Bank has been attacking me every day to destroy my life and my family, already destroyed/damaged by XXXX Bank XXXX XXXX XXXX Bank XXXX criminally for XXXX. 

XXXX Banks criminal, malicious, terror, and racially discriminatory Banking against me and my family. 

XXXX XXXX Bank XXXX XXXX XXXX XXXX asked me to pay off my entire loans of {$520000.00} and XXXX bank was in bankruptcy. He asked me to go to his buddy, XXXX XXXX XXXX, retired XXXX XXXX Bank. I contacted him next day and provided all the information. My credit and all the information were very good he would finance quickly. His mom was ill and he had to take care of her others. he didnt do anything. I hired other person and spent more than {$10000.00} and time. I had three lenders to pay off my entire loans. XXXX XXXX XXXX didnt want to talk to them. I talked to XXXX XXXX XXXX blocked the paying off my entire loan payment process, which was illegal, criminal, and discriminatory acts caused all the problems. He kept asking me to go to XXXX XXXX XXXX. I provided all the information of the legal purchasing contracts of a lot more than {>= $1,000,000} and many other offers. 

XXXX XXXX bank repeatedly treating me racially discriminatory lending procedures charging 40 times more fees. XXXX, XXXX XXXX XXXX initially promised me {$200.00} each fee each account refinancing at his office, but XXXX XXXX XXXX charged me {$8000.00} at the signing. The XXXX time promised me {$200.00} fee another account, at the signing he asked me to pay {$6000.00}. When I asked him why he was not keeping his promise of {$200.00} of the fee. He lowered the fee to {$3000.00} and saying their Bank was losing money. 

XXXX XXXX couldnt sleep at night for 3 months because of my stomach was hurting so much. I sent letters more than XXXX times to XXXX of the bank, XXXX XXXX XXXX. He never responded to me or corrected it. 
I treated XXXX XXXX XXXX at XXXX XXXX XXXX in XXXX Ohio. I asked him why he was lying? He said very sorry. I know where XXXX XXXX XXXX is. 

XXXX XXXX bank has done business knowingly illegally, wrongfully, and racially discrimnatory, and criminally. 
XXXX On CFPB ( Consumer Financial Protection Bureau ( CFPB ), a U.S. government agency that makes sure banks, lenders, and other financial companies treat you fairly ) information ( XXXX Bank has been claiming falsely ) XXXX. XXXX bank committed serious crimes ; illegal banking, wrongful charges ; maliciously, racially discrimnatory and criminally took all my life assets, and still maliciously and criminally attacking me. It is a violation of Federal Banking Laws and committing crimes of IRS, Treasury Department, Federal Bankruptcy Laws, Civil Right, and vary serious financial assassination destroying me and my family, innocent citizens, criminally attacking innocent Senior citizens to cover up their wrong doing for decades. 
XXXX. You can check XXXX Bankruptcy XXXX record which I sent a letter to the Bankruptcy Honorable Judge, XXXX XXXX and I, myself, testified at the court. Because my XXXX bankruptcy lawyers were corrupted with XXXX Bank from the very beginning, illegal acts and law practice. No one was represented my cases and XXXX bank took my {$3.00} assets criminally from the very beginning. 

XXXX. XXXX bank has been claiming that I was represented by my attorneys all the time. It is a false claim. 
My XXXX lawyers, a. XXXX lawyer XXXX XXXX XXXX took the money from me from the beginning as a real estate specialty lawyer and banking lawyer. But he didnt know real estate and banking laws well. Suddenly he took me to Bankruptcy attorney XXXX XXXX, asked me to file a bankruptcy XXXX. I have never expected the bankruptcy because XXXX Bank promised me that they would wait until XXXX of next year for sales of any of my properties would pay off all of entire my debt to XXXX Bank. I had many offers and I provided the legal document to XXXX bank. I was very shocked my attorney, XXXX XXXX filing my bankruptcy case. 
b. Later when I asked him to file a law suit against XXXX bank, then he resigned from my case, because of a XXXX of XXXX. How possibly took my case with conflict of interests. 
XXXX Attorney XXXX XXXX filed my Bankruptcy case. He promised me that he would clear all the payment in front of his secretary and other attorneys at his conference room. Later he asked me to bring other attorneys to process my case which he would teach another attorney to clear all of my debt and he was kept saying it is very easy in front of his secretary/Assistant, XXXX XXXX XXXX His secretary and I are the witnesses and the document I emailed her and Attorney XXXX XXXX. He asked me to have meeting with his secretary and provide all the information. We had meeting at Attorney XXXX office and I provide all the document she asked me. Then she asked me to email to her all the information, because she may miss any other information. As soon as I sent an email to her, the very next day, Attorney XXXX send me a mail that he resigned from my case and warned me not to contact his office or any other attorneys or employees of his law firm. Because I emailed his secretary Attorney XXXX promised me he would clear all of my debt at the meeting at his office in front of his secretary. His group told me that attorney he would be a next Bankruptcy XXXX after XXXX XXXX XXXX would step down soon. His law firm has many attorneys and he is an attorney filed my bankruptcy case. Why he was asking me to bring an attorney and he would teach him. He knows all other attorneys. Why he was asking me to bring other attorneys to him? He was corrupted from the very beginning at the Bankruptcy XXXX and resigned from my case suddenly. I asked many attorneys. They didnt want to be involved my case. They are saying attorney XXXX is a Bankruptcy Trustee. His law firm has many other attorneys. He was corrupted with XXXX bank. I have key evidence of the corruption. 

XXXX. I didnt have any attorneys to represent me at the court for my case. 
a. No other attorneys wanted represented or involved may case saying other corrupted attorneys were involved and took already took all the money from me. 
b. XXXX attorneys already messed up and negligent my case. 

XXXX. I, myself, represented me at the Federal Bankruptcy Court in front of Honorable Judge XXXX XXXX at the Federal Bankruptcy Court, I requested to Honorable Judge XXXX XXXX to extend my case until find attorneys. The Honorable Judge XXXX XXXX granted me to extend my case. 

a. I provided information to Federal Bankruptcy Honorable Judge XXXX XXXX of XXXX Banks corruption, illegal, criminal, repeated discriminatory unlawful business practice and taking my assets for my life community mission and life savings. You can find out the information at the Bankruptcy XXXX. 
XXXX. I found a bankruptcy attorney XXXX XXXX, but he didnt want to do anything against XXXX Bank XXXX first XXXX bank XXXX or anything else. Attorney XXXX XXXX wanted to do only finishing the payments. He recognized and agreed that he made mistake and wrongfully held my case for XXXX. I was released from XXXX Bankruptcy after XXXX. 
XXXX I met XXXX XXXX XXXX XXXX, Chairman of XXXX Bank formally face to face in XXXX XXXX he asked me to send the information to him, I have sent information to his office and spoke to his assistances, XXXX XXXX XXXX XXXX XXXX Assistance XXXX XXXX and others a few times very formally, but I have not received any response from XXXX XXXX XXXX XXXX XXXX Chairman, President and Chief XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Assistance of President. 

XXXX. But I have been repeatedly receiving False Bills, False Notices, False Collections and False Claim & False Credit Report, harrassing, intimidating, threatening, and pressuring by XXXX Bank. 

XXXX. I received phone calls from XXXX XXXX XXXX, XXXX, XXXX Bank XXXX XXXX XXXX on XXXX and XXXX and more in respond of my letter to XXXX XXXX XXXX XXXX. 
a. XXXX XXXX XXXX XXXX denying everything saying XXXX Bank XXXX do anything for me. 
b. He handles all the letters of XXXX XXXX XXXX XXXX, Chairman and XXXX XXXX is not getting any letters. 
XXXX XXXX, XXXX XXXX XXXX, XXXX Bank asked me to sue the XXXX Bank. 
XXXX XXXX Bank took more than 500 % of my loan amount and took my life savings. 
XXXX XXXX Bank has been attacking me more aggressively with all false charges, escrow account charges, keep sending false Credit Bureaus Report to destroy my life and my family. 
XXXX XXXX Bank has been attempting to collect already paid by the Federal Bankruptcy Case. 
XXXX XXXX Bank has been harassing, intimidating, threatening to destroy me my family to covering up their wrong doing. 

No one has ever answered for the false bills, false collections, false claims, or false Credit report. 
A After my bankruptcy case was done by Federal Bankruptcy Court. 
XXXX. XXXX. XXXX bank has been criminally, illegally, asking and threatening to pay the {$410000.00} again, then XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX. Phone XXXX has been attempting to collect {$410000.00} which I already paid off during the Bankruptcy caused by XXXX Bank. 
XXXX. I have never missed account # XXXX, {$30000.00} for XXXX. XXXX Bank has been asking more money to pay. This account and amount must be removed. XXXX Bank took too much of my assets. I do not have anything to support for my life and my family. 
XXXX. It is a serious malicious XXXX discrimnatory hate crime. 
XXXX. XXXX Bank is making false documents to remove their tax which I received XXXX Form XXXX, XXXX. Amount of XXXX XXXX {$58000.00}. 
XXXX. XXXX bank falsely claiming and reporting to IRS to make money sending me false documents. 
XXXX XXXX Bank legal department has been illegal collection notices and letters working with XXXX, Ohio XXXX XXXX XXXX, making phones calls, letters, and attempting collections. 
XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, and many officers of XXXX Bank XXXX Department and XXXX Department are trying to collect more money for the paid Federal Bankruptcy account and closed case by XXXX banks criminally took my life saving more than 5.5times and XXXX bank had profit more than {>= $1,000,000}. 
c. Keep sending tax loss papers from my accounts already closed Bankruptcy case for the XXXX saving purpose which XXXX Bank made 5.5times of loan amounts. 
XXXX I was just released from the Bankruptcy case because XXXX Bank illegally took my life savings properties and businesses illegally with corrupted by Vice President XXXX XXXX and attorney XXXX XXXX, XXXX XXXX and others. 

This XXXX show, how XXXX bank has been doing wrong again and again. This is another criminal act beside XXXX attempt and many others. XXXX Bank has been deceiving IRS, U.S. Treasury Department. 

I put all of my effort and have been working very hard for past XXXX. I have been helping people, community and country. 
I am looking forward hearing from you. 

Very respectfully, XXXX XXXX

Company response to consumer: Closed with explanation