Consumer complaint received 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
- Subject : Formal Complaint for Unauthorized Enforcement and Use of Private Information Without Lawful Signature or Written Instructions For : XXXX XXXX XXXX Affidavit of Publication and Common Law Copyright Notice Attached XXXX XXXX  This is a formal complaint concerning unlawful enforcement, reporting, and handling of private, secured information pertaining to the living man, XXXX XXXX XXXX XXXX whose name and estate are protected under Common Law Copyright, supported by a sworn Affidavit of Publication dated XX/XX/year>. 

It has come to our attention that Equifax XXXX and XXXX XXXX XXXX XXXX is asserting financial claims allegedly connected to the private estate of XXXX XXXX XXXX without any written instructions or verifiable wet blue ink signature. The name in question is a protected property interest and any use of it without authorization constitutes a willful violation of both domestic and international law. 


XXXX XXXX Legal Violations Cited : XXXX. Common Law Copyright Infringement 17 U.S.C. 102 ( a ) The name " XXXX XXXX XXXX '' is protected under Common Law Copyright and Federal Copyright Law. Any unauthorized use, reproduction, or inclusion of this name in commercial, financial, or legal documents without the express written permission of the holder is a violation of property rights. 

The attached Affidavit of Publication, dated XX/XX/year>, publicly recorded the terms of this copyright, which strictly require a wet blue ink signature from the living man for any use or contractual obligation to be considered lawful. 

No such signature has been presented. Therefore, any actions taken by XXXX XXXX XXXX XXXX constitute infringement and unlawful conversion of private property for commercial gain. 


-- - XXXX. Violation of 15 U.S.C. 1681b Fair Credit Reporting Act ( FCRA ) Under 15 U.S.C. 1681b ( a ) ( 2 ), a consumer reporting agency may only furnish a consumer report XXXX XXXX XXXX in accordance with the written instructions of the consumer to whom it relates. 



No written instructions or authorized wet ink signature have ever been issued to XXXX XXXX XXXX XXXX or its affiliates by XXXX XXXX XXXX XXXX Therefore, any access to, or reporting of, consumer data related to the estate of the living man is unauthorized and in direct violation of federal law. 

This also applies to any court proceedings or judgments obtained without lawful evidence of consent through a verifiable wet ink signature. Any legal presumption of a valid debt must be rebutted by the absence of written instructions, as required by federal statute. 


XXXX XXXX XXXXXXXX International Law Violations : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX No one shall be arbitrarily deprived of his property. 
By using and profiting from the private name and estate of XXXX XXXX XXXX without consent or lawful contract, XXXX XXXX XXXX XXXX XXXX XXXX in arbitrary deprivation of property. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All persons shall be equal before the courts and tribunals... 
Any enforcement action or legal process initiated without jurisdiction or valid contract is a violation of procedural fairness and due process. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Every treaty in force is binding upon the parties to it and must be performed by them in good faith. 
A contract or agreement alleged against a secured party creditor must be proven valid under the rule of good faith and lawful authority. The absence of a wet ink signature nullifies any claim of valid contract under international and domestic

Company response to consumer: Closed with explanation