Consumer complaint received 2024-08-20 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: VA

Complaint narrative:
The fraudulent account number XXXX and information continues to be reported on my credit report by XXXX, XXXX for for account number XXXX. This malicious attack on my reputation and ability to conduct commerce are adversely affecting me. Though I have shown proof of fraud to Equifax and other credit reporting agencies, this account continues to report inaccurate and fraudulent information. THIS INFORMATION MUST BE DELETED IMMEDIATELY! 

On XX/XX/XXXX and XX/XX/XXXX, XXXX, XXXX was served process via United States Postmaster certified mail ( article number XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX ) with the Affidavit of Dispute. 

On XX/XX/XXXX, XXXX, XXXX was served additional process via United States Postmaster certified mail ( article number XXXX XXXX XXXX XXXX XXXX XXXX ) with the Affidavit of Fact : Notice of Default [ Exhibit : B ] which stands as conclusive evidence of their admission by silence to them being guilty of fraud and swindles under Title 18 USC 1341 and conclusive proof of them having no valid claim, and the alleged debt in the amount of {$610000.00} associated with account number XXXX could only be discharged in pursuance of and in reliance on Title 12 USC 95a ( 2 ). 

On XX/XX/XXXX and XX/XX/XXXX, XXXX, XXXX was served process via United States Postmaster certified mail ( article number XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX ) with the Affidavit of Fact : Notice of Error which stands as further evidence of their claims are void and unenforceable for fraud. The account number XXXX, and any other attachments associated thereto are ERRONEOUS, NULL and XXXX XXXX XXXX and are UNENFORCEABLE for fraud in the inducement. 

Repeated demands for critical documentation have been ignored, and XXXX, XXXX have now defaulted under Truth in Lending Act ( Regulation Z ) and other applicable laws. Specifically, they have failed to provide : 1. Certified Copy of the Original Promissory Note : o No valid certified copy has been provided as required under FRE 1002 ( Best Evidence Rule ). Copies are insufficient, as they can be altered and do not meet the standards of proving the existence of the debt.

2. Securitization Audit : o No securitization audit has been provided. FAS 140 shows that documentation proving the transfer and ownership of the asset is critical. Failure to produce this audit indicates that neither XXXX, XXXX nor any other party involved can prove legal ownership or standing. 
3. Chain of Title / Assignment Records : o As per IRS Code 860, all mortgages transferred into a trust must have proper documentation and follow strict transfer rules. No proof of the chain of title or transfer records has been produced, rendering your claim of ownership void.

4. Bookkeeping and Accounting Records : o XXXX, XXXX have failed to produce the records showing payments, transfers, and other financial documentation that would substantiate the legitimacy of the debt or ownership. 
On multiple occasions, they have not provided any response to my requests for validation, as per my previous notices sent via certified mail. 
However, XXXX, XXXX has reported back to several credit reporting agencies that the information they are reporting is 'verified '. 

Most importantly, XXXX, XXXX continues to direct their communications to XXXX XXXX, a fictitious entity, ignoring that I, XXXX XXXX XXXX XXXX a XXXX title and am the Trustee that holds the Allodial Title for the estate at XXXX XXXX XXXX which constitutes as fraud.

Company response to consumer: Closed with non-monetary relief