Consumer complaint received 2025-06-03 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: SC

Complaint narrative:
Affidavit of Consumer Rights Violations, Damages, and Demand for Equitable Relief Affirmed by : XXXX XXXX XXXX I, XXXX XXXX XXXX, a living XXXX, XXXX XXXX, competent to testify, and the authorized agent and beneficiary of the legal estate/trust styled as XXXX XXXX XXXX, do hereby solemnly affirm the following under penalty of perjury pursuant to the laws of the State of South Carolina and the united States of America XXXX not the corporate UNITED STATES XXXX XXXX with all rights reserved, without prejudice, under UCC XXXX XXXX I have identified multiple fraudulent and inaccurate accounts reported on my consumer credit files by Equifax, Experian, and TransUnion XXXX These accounts were reported without my knowledge, consent, or verified contractual agreement. No lawful contract bearing my wet-ink signature exists to substantiate these claims. These items were inserted into my reports absent proper disclosure, validation, or verification and thus constitute a trespass on my private estate and a violation of my rights under federal and common law. 

Accounts in Dispute : 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  These accounts lack legal substantiation. Despite submitting prior disputes, the credit bureaus failed to perform lawful reinvestigations as required by the Fair Credit Reporting Act ( FCRA ), XXXX5 U.S.C. 1681i. Marking these accounts verified without furnishing adequate documentation or lawful validation constitutes willful noncompliance under FCRA 616 and 617 and deceptive practices under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

To date, I have not received : Proof of claim or lawful assignment XXXXcompliant  accounting statements Chain of title or holder-in-due-course documentation Full disclosure as required under the Truth in Lending Act ( TILA ) These violations have caused measurable harm : financial injury, denial of credit, emotional distress, and damage to reputation. I, as the living man and rightful beneficiary of my legal estate, do not consent to being held liable for unlawful, fraudulent, or misreported debts attributed to a corporate fiction. 

Demand for Remedy and Damages Statutory damages under the FCRA and FDCPA ( XXXX violations {$1000.00} ) : {$7000.00} Compensatory damages for emotional, reputational, and financial harm : {$3500.00} Equitable Relief Demanded : Immediate deletion of the above-referenced accounts Written evidence of lawful investigation and validation Cessation of all collection activities Return of funds collected unjustly or without lawful basis Notice of Escalation If the above demands are not met in good faith, I will file complaints with the Consumer Financial Protection Bureau XXXX CFPB ), Federal Trade Commission XXXX FTC ) XXXX and the South Carolina Attorney General. I will also initiate legal action for damages under FCRA 616 and 617, and pursue all available remedies under law, equity, and commercial code. 

Judicial Notice of Status and Rights Let it be known : I, XXXX XXXX XXXX, a living XXXX  and the authorized agent of the private trust/estate bearing the all-capitalized name XXXX XXXX XXXX, do not XXXXonsent to joinder, suretyship, or enforcement actions against said trust without a lawful contract, full disclosure, and voluntary agreement. I reserve all rights, titles, and interests in and to my estate and waive no rights, whether knowingly or unknowingly. I invoke protections under UCC 1-308 and do not consent to presumption, adhesion, or agency created by silence, inaction, or fraud. 

This affidavit shall serve as a sworn statement for both administrative and judicial purposes. Any further attempts to report, enforce, or collect upon these fraudulent accounts shall constitute willful misrepresentation, bad faith, and unjust enrichment. 

Affirmed this XXXX day of XXXX, 2025 By : XXXX XXXX XXXX All Rights Reserved. Without XXXX. XXXX XXXX. Without Recourse.

Company response to consumer: Closed with explanation