Consumer complaint received 2024-10-15 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: TX

Complaint narrative:
Estoppel Certificate to Credit Reporting Agencies Notice to Respondents : Equifax, XXXX, and XXXX From : XXXX XXXX XXXX Secured Party Creditor XXXX Filing Number : XXXX Date : XX/XX/2024 Re : Immediate Cease and Desist of Unlawful Reporting and Removal of All Personal Information from Your Records Notice to Principal is Notice to Agent. Notice to XXXX is Notice to Principal. 

This is a formal Estoppel Certificate served upon the Credit Reporting Agencies ( Equifax, XXXX, and XXXX ), asserting my legal rights as the Secured Party Creditor of XXXX XXXX XXXX ( XXXX Filing Number : XXXX ) and demanding the immediate removal of all data related to my name and personal information from your records. 

Affidavit of Facts : Common Law Copyright : Under common law, I hold the exclusive copyright to my name, XXXX XXXX XXXX, and any use of this name without my explicit consent constitutes an unlawful trespass on my rights. The Credit Reporting Agencies ( CRAs ) have no legal authority to report, share, or store any information associated with my name without my express authorization.

UCC Article 9 : As the Secured Party Creditor of the entity XXXX XXXX XXXX, I have the superior claim and legal control over any debts, obligations, or information tied to this entity. Any continued reporting of my name or associated debts without my explicit authorization violates the Uniform Commercial Code ( UCC ) Article XXXX. 

Violation of Privacy Laws : The ongoing collection and reporting of my personal information violate several privacy laws, including : Fair Credit Reporting Act ( FCRA ) : You are required to report accurate information, and the use of my copyrighted name without consent constitutes a breach of the FCRA.

Gramm-Leach-Bliley Act ( GLBA ) : This law enforces strict privacy regulations regarding the use and distribution of personal data. By reporting my information without my consent, you are in direct violation of this federal law. 
Lack of Authorization : I did not authorize any transfer, sale, or reporting of personal information or debts associated with the entity XXXX XXXX XXXX. Your continued use of my name without my written consent is unlawful and violates my rights under both common law and statutory law. 

Demand for Remedy : IMMEDIATE REMOVAL : I hereby demand the immediate removal of all information related to XXXX XXXX XXXX from your databases and records, as your continued reporting constitutes an unlawful use of my copyrighted name and a violation of privacy laws. 

CEASE AND DESIST : You are hereby instructed to cease and desist from any further collection, reporting, sharing, or distribution of information related to XXXX XXXX XXXX. Any further actions taken without my consent will result in legal consequences. 

PROOF OF AUTHORIZATION : I demand verifiable proof, within 10 business days, that I authorized the reporting or collection of any information related to XXXX XXXX XXXX. Failing to provide such proof will confirm your violation of my common law rights and statutory protections under federal privacy laws. 

Legal Authority : Common Law Copyright : Under common law, I hold exclusive rights to my name, and you have no authority to use or report it without my consent.

Uniform Commercial Code ( UCC ) Article 9 : As the secured party creditor, I have superior legal rights over any information tied to XXXX XXXX XXXX. 

Fair Credit Reporting Act ( FCRA ) : You are required to report accurate and legally authorized information, and your failure to do so violates this statute.

Gramm-Leach-Bliley Act ( GLBA ) : By reporting personal information without authorization, you have breached federal privacy protections, which are strictly enforced under GLBA.

Final Notice and Intent to Act : This Estoppel Certificate serves as your final notice. Should you fail to comply with my demands for immediate removal of all information related to XXXX XXXX XXXX, I will proceed with legal action, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and seeking damages for your violations of privacy laws and common law copyright. 

You have XXXX business days to respond to this notice and comply fully with my demands. 

Respectfully, XXXX XXXX XXXX Secured Party Creditor XXXX Filing Number : XXXX Without Prejudice, UCC XXXX

Company response to consumer: Closed with explanation