Consumer complaint received 2023-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX ( XXXX. of Consumer Lending at XXXX XXXX ), along with employees and/or external third parties, submitted a FRAUDULENT CREDIT APPLICATION dated XX/XX/XXXX for a XXXX XXXX Card on Member Account # XXXX. 
Member has a FRAUD ALERT ON members credit file as a result of falsified documents received from the third party vendor XXXX XXXX XXXX XXXX ) regarding a XXXX XXXX XXXX associated with member account XXXX. No credit inquiries on the credit report with Equifax dated XX/XX/XXXX. The last inquiry is dated XX/XX/XXXX. 
Member did not submit a credit application for a XXXX XXXX Card on or about XX/XX/XXXX as the member had applied for a XXXX XXXX Credit Card on or about XX/XX/XXXX with a credit score of XXXX pulled by an outside Credit Agency Equifax.The XXXX Credit Card was approved on XX/XX/XXXX by The XXXX XXXX XXXX Department with a {$6000.00} credit limit. Member received a letter dated XX/XX/XXXX for a XXXX card ending XXXX with a 0.00 % Introductory A.P.R. for a period of 15 billing cycles afterward an annual interest rate of 9.99 %. 

Member received an ADVERSE ACTION NOTICE dated XX/XX/XXXX for a XXXX XXXX. 
ACTION TAKEN AFFECTING CREDIT REQUEST OR EXISTING CREDIT : Box checked indicated : Other : ( BLANK ) PART 1-PRINCIPAL REASON ( S ) FOR CREDIT DENIAL, TERMINATION, OR OTHER ACTION TAKEN : two months past due on auto loans. Due to several ongoing federal investigations, the information obtained in the adverse action notice is falsely understated.

PART11 DISCLOSURE OF USE OF INFORMATION OBTAINED FROM AN OUTSIDE SOURCE : Equifax : DISCLOSURE OF USE : FAILED to disclose a credit score and date. 

As of XX/XX/XXXX, the member had a credit score with Equifax of XXXX : The fraudulent application submitted to obtain the ADVERSE ACTION NOTICE was due to the AFFIDAVIT OF NOTICE OF DEMAND AND DEBT VALIDATE DEBT CLAIM. BASED on fraudulent business practices and financial crimes committed on behalf of XXXX XXXX Consumer Lending, its staff, and third parties vendors, and attorney 's for vendor and XXXX involved with the scheme to conceal money laundering. 

Due to the white-collar crimes committed by XXXX XXXX XXXX its employee, and third parties, members have submitted a complaint for an investigation to the Secret Service , Federal Bureau of Investigations ( F.B.I ), Securities and ExchangeCommission, Internal Revenue Service , U.S Postal Service , Commodities FuturesTrade Commission , The Departments Financial Crimes Enforcement Network for money laundering ( turning dirty money into clean money by making it look like money from crimes actually came from legitimate sources : Aggravated identity theft, Computer Fraud XXXX and Abuse, false application, fraudulent use of social security number, bank fraud, wire fraud, fraud and swindles, mail fraud, TILA, violation, regulation ( B ), Regulation ( Z ), alteration, forgery, UDAP, federal and states violation, I have contacted the Secret Service along with other federal agencies to investigate the financial crimes of XXXX XXXX XXXX 

I have completed reports to the Department of Justice ( DOJ ), F.B.I. F.T.C. ( Identity Theft ), Police Report. Maryland Governor and U.S. Attorney, Financial Crime Network, and U.S. Treasury Department. This matter is 1 of 4 ongoing criminal activities and other criminal acts that include money laundering, aggravated identity theft, forgery of loan documents/contracts, bank fraud, compute fraud, false statements in the investigation of fraud, Bribery/Kickback Schemes State and Federal Tax Fraud , to name a few with XXXX XXXX and its third party vendor XXXX XXXXXXXX XXXX, XXXXXXXX XXXX  XXXX I AM ASKING that the CFPB ENFORCE ACTIONS AGAINST XXXX XXXX AND XXXX THAT APPEARS TO BE A PART OF THE CRIMINAL ORGANIZED CRIME THAT EFFECTS XXXX XXXX MEMBERS BY FAILING TO INVESTIGATE ALL FRAUDULENT MATTERS.

Company response to consumer: Closed with explanation