Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Im writing on the behalf of XXXX XXXX XXXX XXXX as 'Trustee/Secured XXXX XXXX XXXX a Live Nature Man, a flesh-and-blood XXXX Creator-created private American XXXX XXXX XXXX being ; and an Ambassador of XXXX XXXX ( XXXX Corinthians XXXX ) Domiciled in Maryland Republic and on religious sojourn through the UNITED STATES ; One , who is as a " Non-resident alien '' as defined within 26 U.S.C. 7701 ( b ) ( 1 ) ( B ) ]. Isic, in regards the UNITED STATES [ 28 U.S.C.3002 ( 15 ) ( A ) ; U.S.C . 9-307 ( h ) ] with express, explicit, irrevocable reservation of all natural Creator-given & Unalienable Rights ; including but not limited by F.S.I.A. without prejudice UCC. 1-308, U.C.C. 1-103.6 ( Booth 's UCC ) reserved as initio, nunc pro tunc : I was involved in the 2023 Equifax, Transunion and Experian Data Breach Settlement back in December 9, 2024. My information was compromised from the Data Breach ( Executive Order 13818 ). All three Major Credit Reporting Agencies HAVE NOT PROVIDED A COPY of any documents FROM OR IN COMPLIANCE to authorize any Late or Negative REPORTING ME THE CONSUMER. Accuracy of Report ( 15 USC 1681 E, B ) must be accurate 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. The Information that Equifax, Transunion and Experian are furnishing must be accurate.

As a result no reporting agency should be reporting any trade-line on any of the accounts from Equifax, Transunion and Experian ; all accounts were closed and paid off back in XXXX. Inaccuracy between all three Agencies has been ongoing with mis representation of XXXX XXXX XXXX which has caused major harm to my information and to me has a consumer to the point that my information has been compromised several times ( Executive Order 13818 )? ALL NEGATIVE INFORMATION, ALL LATE PAYMENTS and ALL TRADE LINE ACCOUNTS must be DELETED. On my Equifax that Department of education XXXX just appeared on my Credit report account due to the data breach. For the last five years nothing has been put in the name of XXXX XXXX XXXX or I haven't used any credit in over 5 years. Al trade lines accounts must be deleted from all three major credit reporting agencies Equifax, Transunion and Experian. No data should be provided or given out. This also applies to XXXX and XXXX XXXX XXXX, XXXX XXXX bank and XXXX XXXX XXXX Department of education who just magically appeared on my credit report. I'm requesting that this company and all other trade lines be blocked and deleted from all three credit reporting agencies Equifax, Transunion and Experian immediately. Attached you wil find a copy of my passport, social security card, FTC XXXX Report XXXX and CFPB Complaints # XXXX, XXXX, XXXX and XXXX. What Should Be Done Instruction Below XXXX. Delete Al XXXX XXXX XXXX Nothing Should Be Reporting on my Credit Report 2. ALL LATE PAYMENTS on any Accounts must be Deleted- 15 U.S. Code 1666b - Timing of payments. TO MAKE PAYMENTS A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

3. 15 U.S code 1881 s-2 - Responsibilities of Furnishers of Information to Consumer reporting agencies. ( 7 ) NEGATIVE INFORMATION 4. NEGATIVE INFORMATION : Notice to consumer required If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 1681a ( p ) ( e ) ( b ) of this title furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative

Company response to consumer: Closed with explanation