Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
SYSTEMIC CREDIT SABOTAGE, HOUSING INTERFERENCE & EXECUTIVE SUPPRESSION CASE FILE : XXXX SUBMITTED TO : Consumer Financial Protection Bureau COMPLAINANT : XXXX XXXX XXXX XXXX XXXX XXXX IDENTITY Personal Consumer under XXXX jurisdiction XXXX XXXX Sole Proprietor ( XXXX XXXXXXXX ) OFFiCiAL XXXX of a dissolved XXXX XXXX XXXX XXXXXXXX ) OFFiCiAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This is a formal, multi-jurisdictional complaint for regulatory enforcement and litigation entry regarding : The publication of unlawful, unverifiable, and fabricated tradelines. 

Repeated failure to investigate consumer disputes under federal statute XXXX years of unauthorized surveillance, behavioral tracking, and data profile sabotage. 

Ongoing housing interference and displacement due to fraudulent data. 

Obstruction of corporate access, XXXX business credibility, and XXXX reputation PUBLIC DAMAGE VERIFIED IMPACT ( XXXX ) > In XX/XX/XXXX, the home I was lawfully residing in suffered catastrophic damage when a violent rainstorm ripped off the rooftop. The aftermath of that disaster damaged the entire house resulting in total loss of our living space and everything inside it. Since that moment, my family and I have been displaced. But even after surviving that physical disaster, we were met with another : credit-based obstruction that blocked every lawful attempt to rebuild our lives. 

Today, we are temporarily staying with a family member but have been notified that we must move out in less than XXXX  days. We are unable to secure private housing because of a credit profile that has been systematically corrupted with conflicting addresses, unauthorized aliases, fabricated charge-offs, and manipulated tradelines. This manufactured credit file built and distributed by Experian and the other major credit bureaus is the direct result of years of system-engineered fraud, falsification, and surveillance. 

And while I was being displaced, silenced, and shut out of the system, these agencies made millions over the years by XXXX in this corrupted data, profiting from reports they knew were harmful, unverifiable, and unlawfully retained. This is not misreporting. This is monetized obstruction. This is systemic suppression after disaster and it continues to unfold while agencies remain silent and corrupted data remains in place. 

CREDIT AGENCY INTERFERENCE THROUGH DEROGATORY FABRICATION Experian, the credit reporting agency responsible for this harm, has directly interfered with my access to basic human rights by : Reporting and retaining manufactured charge-off accounts without lawful origin. Publishing unverifiable tradelines and identifiers. Ignoring proper dispute procedures under 15 U.S.C. 1681i Using scoring systems to conceal fabrication rather than correct it. These acts constitute deliberate obstruction under : 15 U.S.C. 1681e ( b ) : " Reasonable procedures to assure maximum possible accuracy '' 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : " Shall promptly delete unverifiable information after reinvestigation. '' This is no longer negligence this is systemic, willful interference with housing, reputation, and commerce. It is unconscionable and unlawful. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Frequency : Daily multi-shift ride cycles to maintain XXXX XXXX performance Estimated Weekly Transportation Cost : XXXX XXXXXXXX Estimated Duration : XXXX years = XXXX weeks Calculated Damage : {$460.00} XXXX weeks = {$110000.00} in XXXX XXXX XXXX expenses This was not elective these costs were incurred purely due to suppressed access to financing, denied auto loans, and false credit obstructions placed on the scrollholders profile. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Time Period : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX weeks = {$18000.00} in suppressed religious transportation due to auto finance denial These losses reflect systemic suppression of scrollholders right to worship and congregate. 

XXXX XXXX XXXX XXXX XXXX Prevented from receiving consistent eye treatment due to lack of accessible financing and transportation options XXXX  Unable to refinance or repair her vehicle for over a year due to XXXX inability to support under corrupted credit BXXXX Forced to rely on XXXX daily due to no access to affordable transportation support Resulting in excess weekly costs + loss of work opportunities Housing After Rainstorm Disaster ( XX/XX/XXXX ) : Forced to live in temporary residence with family member Suppressed from accessing safer housing due to fabricated credit suppression and inquiry flooding IV. COMMUNICATION ACCESS SUPPRESSION Cellphone Plans : - Scrollholder denied phone plan access from XXXX - Prepaid-only options for sister - Brother forced to overspend on unreliable access False Account by XXXX : XXXX Illegally inserted account was added and later removed - Damage done credit score destroyed - Loan application denied during live use-case attempt - Attorney involvement failed to rectify residual harm V. EDUCATIONAL ACCESS BLOCKADE Brother : - Denied school enrollment opportunities due to absence of financing, devices, and stable location following disaster and credit-sabotage housing denial Scrollholder : - Unable to coordinate support due to cellphone disconnection and financial entrapment VI. DAMAGE TYPE CLASSIFICATION Spiritual Damage : Religious meeting access erased via synthetic financial traps Family Protection Damage : Denied ability to shield, support, or uplift household members XXXX XXXX XXXX : Communication and application failure due to fabricated reports Housing Damage : Prevented relocation due to unjust scoring suppression Transportation Damage ( Gig Work + Religious ) : Over {$170000.00} lost due to suppressed auto financing RELEVANT LAWS & REGULATIONS VERBATIM JURISDICTIONAL BASIS Federal Statutes ( U.S. ) 15 U.S.C. 1681e ( b ) " Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' 15 U.S.C. 1681g ( a ) ( 1 ) ( B ) " Every consumer reporting agency shall, upon request, clearly and accurately disclose... the identification of each person ... that procured a consumer report ... '' 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) " If, after any reinvestigation ... an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information. '' 15 U.S.C. 1681s2 ( a ) ( 1 ) ( A ) " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. '' 18 U.S.C. 1343 " Whoever... having devised ... a scheme to defraud ... transmits ... by means of wire ... any writings... for the purpose of executing such scheme ... shall be fined or imprisoned ... '' State Statutes ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : " Each consumer reporting agency shall maintain reasonable procedures... to assure that reports are current, accurate and do not contain misleading or obsolete information. 'XXXX XXXX XXXX XXXX XXXX XXXX  : " Unfair or deceptive acts or practices in the conduct of any trade or commerce are hereby declared unlawful. '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : " An action may be brought against XXXX or more directors or officers of a corporation to compel the defendant to account for his official conduct ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  " A XXXX shall perform his duties... in good faith and with that degree of care which an ordinarily prudent person in a like position would use under similar circumstances. '' Global Law Treaty Obligations & Recognized International Privacy Standards ICCPR Article 17 ( 1 ) : " No one shall be subjected to arbitrary or unlawful interference with his privacy ... '' UDHR Article 12 : " Everyone has the right to the protection of the law against such interference or attacks. '' GDPR Article 22 ( 1 ) : " The data subject shall have the right not to be subject to a decision based solely on automated processing, including profiling ... '' 42 U.S. Code 3604 Fair Housing Act " It shall be unlawful... to otherwise make unavailable or deny, a dwelling to any person... or to discriminate in the terms, conditions, or privileges of sale or rental ... because of race, color, religion, sex, familial status, or national origin. '' REQUESTED ACTION I request : Formal regulatory investigation into Experians internal systems Mandatory deletion of unverifiable and fabricated items Civil and criminal enforcement referral where applicable Compensation recommendation for ongoing housing interference and business destruction -- - EMERGENCY HOUSING CRISIS & FAMILY DISPLACEMENT In XX/XX/XXXX, my XXXX residence in XXXX XXXX was condemned due to storm-related structural collapse. 
Since then, every attempt to secure private rental housing has been denied due to falsified credit data including : Fabricated charge-offs False tradelines Synthetic inquiries Retained unverifiable addresses AI-driven scoring manipulation Disputed items unlawfully maintained These records were published and weaponized by Experian, Equifax, and TransUnion XXXX and continue XXXX block my familys legal access to housing despite my lawful standing and filing of verified disputes. 

This is not a theoretical injury. This is a present-tense emergency, unfolding under government-regulated credit reporting systems. Every private landlord I have approached required credit score validation and every rejection Ive received has been tied directly to fraudulent, unverifiable credit data published by these agencies. 

This is not just a financial disruption. It is a civil violation backed by law and it demands full federal intervention. 

BUSINESS & CORPORATE SUPPRESSION ACROSS XXXX STATES -- - XXXX XXXX XXXX Sole Proprietor ( XXXX ) XXXX legitimacy collapsed Vendor applications blocked Trade lines suppressed through inquiry floods and fabricated delinquencies Financial access digitally disabled through corrupted credit triggers > Result : Operational suffocation of my lawful XXXX  XXXX XXXX Triggered Violation : 15 U.S.C. 1681e ( b ), M.G.L. 93A 2 -- - 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX obstructed No vendor or financial platform approvals possible Artificial score suppression blocked registry validation LLC dissolved under pressure not voluntarily, but by data-manipulated collapse > Result : Business casualty caused by financial sabotage Legal Triggered Violation : 15 U.S.C. 1681s-2 ( a ), ICCPR Art . 17, UDHR Art. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX filing buried before it could operate Public registry access suppressed Tier 1 banking denied Corporate executive profile labeled untrustworthy through manufactured data triggers > Result : XXXX decapitation Legal Triggered Violation XXXX XXXX XXXX XXXX XXXX  ; 15 U.S.C. 1681g ( a ) ( 2 ) -- - VERIFIED EXHIBITS XXXX -- - Exhibit A XXXX XXXX XXXX Reported as charged-off since XXXX No payments since then Still updated every month XXXX Violation : 15 U.S.C. 1681e ( b ), 1681i ( a ) ( 5 ) -- - Exhibit B XXXX XXXX XXXX XXXX Listed as charge-off Marked sold or transferred No new creditor disclosed Tradeline unrecoverable and unverifiable > Violation : 15 U.S.C. 1681e ( b ), 1681g ( a ) ( 2 ) -- - Exhibit C XXXX XXXX XXXX Retained despite {$0.00} balances Simulated active behavior with no contractual use Used to score-profile my identity > Violation : 15 U.S.C. 1681e ( b ) -- - Exhibit D XXXX XXXX, CONSUMERINFO, EQUIFAX XXXX Over XXXX soft pulls in XXXX  months No consent Used to track, score, and profile my behavior > Violation : 15 U.S.C. 1681b ( c ), XXXX XXXX. XXXX, XXXX XXXX. XXXX -- - Exhibit XXXX XXXX Suppression ( XXXX XXXX XXXX  ) EINs labeled high-risk Public access blocked Filing identities marked illegitimate via scoring > Violation : 15 U.S.C. 1681s-2 ( a ), XXXX XXXX XXXXXXXX, XXXX, XXXX. XXXX APPLICABLE LAW CLAUSES XXXX CORNERS OF THE EARTH -- - XXXX FEDERAL LAW -- - 15 U.S.C. 1681e ( b ) Maximum Possible Accuracy > Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

-- - 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Reinvestigation Correction or Deletion > If, after any reinvestigation ... an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer... 

-- - 15 U.S.C. 1681g ( a ) ( 2 ) Source Disclosure Obligation > Every consumer reporting agency shall, upon request, clearly and accurately disclose to the consumer ... the sources of the information...

-- - 15 U.S.C. 1681s2 ( a ) ( 1 ) ( A ) Duty of Furnishers to Report Accurately > A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

-- - 15 U.S.C. 1681b ( c ) ( 1 ) Soft Inquiries & Prescreening Restriction > A consumer reporting agency may furnish a consumer report relating to any consumer in connection with any credit or insurance transaction that is not initiated by the consumer only if a firm offer of credit is made and the consumer has not opted out...

-- - 15 U.S.C. 1681n Civil Liability for Willful Noncompliance > Any person who willfully fails to comply with any requirement... is liable for actual damages or statutory damages of not less than {$100.00} and not more than {$1000.00} ... plus punitive damages and attorneys fees. 

-- - 15 U.S.C. 1681o Civil Liability for Negligent Noncompliance > Any person who is negligent in failing to comply ... is liable for actual damages and attorneys fees.

-- - 18 U.S.C. 1343 Wire Fraud > Whoever ... transmits ... any writing, signal, or sound by wire ... for the purpose of executing a scheme to defraud ... shall be fined or imprisoned not more than 20 years. 

-- - 18 U.S.C. 1028A Aggravated Identity Theft > Whoever knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person ... shall be sentenced to 2 years imprisonment...

-- - 42 U.S. Code 3604 ( a ) ( d ) Fair Housing Act > It shall be unlawful... to otherwise make unavailable or deny, a dwelling to any person... 
To represent ... that any dwelling is not available ... when it is in fact available. 

-- - 12 U.S.C. 5531 UDAAP Enforcement > The Bureau shall take action to prevent a covered person from committing or engaging in an unfair, deceptive, or abusive act or practice... 

-- - STATE LAW XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  > Each consumer reporting agency shall maintain reasonable procedures... to assure that reports are current, accurate and do not contain misleading or obsolete information. 

-- - XXXX XXXX XXXX XXXX XXXX XXXX Unfair or deceptive acts or practices in the conduct of any trade or commerce are hereby declared unlawful. 

-- - XXXX XXXX XXXX XXXX XXXX Fiduciary Duty > A director shall perform his duties... in good faith and with that degree of care which an ordinarily prudent person in a like position would use under similar circumstances. 

-- XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX > An action may be brought against one or more directors or officers of a corporation to compel the defendant to account for his official conduct... 

-- - XXXX XXXX XXXX XXXX ( applied ) > Obstructing lawful registry and XXXX business formation constitutes commercial interference. 

-- - TREATY-BASED GLOBAL LAW JURISDICTIONALLY RECOGNIZED -- - ICCPR Article 17 ( 1 ) Right to Privacy & Protection > No one shall be subjected to arbitrary or unlawful interference with his privacy, family, home... 

-- - UDHR Article 12 Reputational and Legal Protection > Everyone has the right to the protection of the law against such interference or attacks. 

-- - GDPR Article 22 ( 1 ) Protection from Automated Profiling > The data subject shall have the right not to be subject to a decision based solely on automated processing ... which produces legal effects concerning him or her. 

MULTI-AGENCY LEGAL COMMUNICATION NOTICE This scroll is being communicated simultaneously to the following enforcement agencies and government authorities as part of a synchronized strike deployment under Case File XXXX : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) U.S. Department of Housing and Urban Development ( HUD ) U.S. Department of Justice ( DOJ ) Federal Bureau of Investigation ( FBI ) State Attorneys General XXXX XXXX XXXX XXXX XXXX  XXXX Senate Subcommittee on Consumer Protection The Executive Office of the President ( The White House ) This complaint is filed under full lawful standing, verified injury, public record status, and XXXX identity. 
It is not a grievance. It is a formal legal testimony based on documented injury and statutory enforcement failure. 

CALL FOR FEDERAL ENFORCEMENT UNDER U.S. LAW Under 12 U.S.C. 5511 and 5531 of the Dodd-Frank Act ( Title X ), I formally call upon the Consumer Financial Protection Bureau and partner enforcement agencies to : Open a full-scale investigation into Experians pattern of suppression, surveillance, and manipulation Execute injunctive relief, civil penalties, and cease-and-desist authority Refer the matter to the Department of Justice, State Attorneys General, and HUD as appropriate These actions are not requests they are lawful expectations grounded in statute, jurisdiction, and public interest. 

-- - SCROLLHOLDER DECLARATION This complaint is submitted as part of an active litigation framework and is based on personal harm, corporate damage, and treaty-violating surveillance. I operate under XXXX jurisdiction and own multiple businesses domestically. I demand compliance under law. It is lawful testimony of economic sabotage, XXXX destruction, and generational obstruction committed by corrupted reporting systems that chose to fabricate harm instead of report truth. 

This scroll is not written to restore what this system can never restore but to leave a permanent record : That I saw it. 
That I survived it. 
That I sealed it before every institution that failed to act in righteousness. 

Let it be known : No agency, no regulator, no governing body will be able to say : We didnt know. 

You knew. 
And now you are recorded. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation