Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
EXPERIAN NON-COMPLIANCE NON-COMPLIANCE EXPERIAN NON-COMPLIANCE NON-COMPLIANCE NON-COMPLIANCE NON-COMPLIANCE CFPB NON-COMPLIANCE NON-COMPLIANCE CFPB NON-COMPLIANCE NON-COMPLIANCE EQUIFAX NON-COMPLIANCE CFPB NON-COMPLIANCE TRANSUNION. 

THIS IS NOT A DUPLICATE DISPUTE AI!! ! XXXX NOT A DUPLICATE DISPUTE AI!! ! XXXX EXPERIAN NEVER DID A INTERNAL INVESTIGATION INTO THIS MATTER, EXPERIAN JUST CLOSED MY CASE WITHOUT LETTING ME RESPONDE. 

SO I COPIED AND PASTED EXPERIAN 'S RESPONSE. 
Inactive modal US Flag An official website of the United States Government Logged in as XXXX XXXX XXXX Consumer Financial Protection Bureau Start a new complaint All complaints XXXXPrint complaint Closed Submitted Status Submitted to the CFPB on XX/XX/XXXX Product Credit reporting or other personal consumer reports Issue Problem with a company 's investigation into an existing problem We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT TRANSUNION AND CONSUMER FINANCE PROTECTION BUREAU BOTH HAVE BEEN VOILATING THE CONSTITUTIONAL RIGHTS OF CONSUMERS FOR YEARS. WE ALL KNOW THAT TRANSUNION AND EXPERIAN, AND EQUIFAX ALL ARE FACTIOUS ENTITY 'S THAT PRACTICE UNALIGNING BEHAVIOR, AND THEY HAVE CROSSED THE LINE OF INTERNET CONSPIRACY TO COMMITTE T DETRIMENTAL HARM TO CONSUMERS ME AS A REAL PERSON, I HAVE EVIDENCE THAT TRANSUNION HAS DONE QUIT A BIT OF HARM TO ME AND THE ESTATE OF XXXX XXXX XXXX, THE EXECUTOR OF THE ESTATE OF XXXX XXXX XXXX, THE XXXX CLAN!!! XXXX. THIS IS AN INJUSTICE ON THE PUBLIC AND THE CITIZENS OF THE UNITED STATES OF AMERICA. THERES NO WAY SOMEONE'S SCORE DROPS XXXX POINT, AND A XXXX POINTS FOR USING CREDIT AS FOLLOWS : {$29.00} ON A {$1600.00} DOLLAR LIMIT ON XX/XX/XXXX TRANSUNION DROPPED MY SCORE XXXX POINTS FROM XXXX TO XXXX FACTS I HAVE PROOF. TRANSUNION DROPPED MY SCORE BY XXXX POINTS ON XXXX, XXXX BECAUSE OF MY CREDIT USAGE CHANGING FROM 52 % TO 20 %. WHERE DO WE GET TRANSPARENCY FROM THESE DAYS DEALING A XXXX FACTIOUS GOVERNMENT ENTITY THAT SHOULD BE HELPING THE PEOPLE OF THE UNITED STATES, NOT DO DETRIMENTAL HARM AND CAUSING ILLEGAL CONFUSION THAT ALLOWS THEM TO HAVE CONTROL OVER ONE ABILITIES TO GAIN WEALTH. I DO NOT STAND UNDER YOU AND NO OTHER ENTITY PARTICIPANTING IN AN ILLEGAL RING SET UP FOR FAILURE TO DO DETRIMENTAL HARM TO MINORITIES OF ALL COLORS. YOU HAVE CAUSED ME AND MY FAMILY AND CULTURE GREAT HARM WHICH WILL BE SENT TO THE SUPREME COURT FOR IMPLIED CONSTITUTIONAL LAWS/RIGHTS!! ! XXXX THIS SHALL BE REPORTED TO ALL AVENUES OF THE LAW IMMEDIATELY!! ! XXXX 15 USC 1681 14 CONSTITUTIONAL AMENDMENT [ WE THE PEOPLE ] 15 USC SECTION 241 Person Attachments 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 Hide full complaint What product or service is your complaint about? 
PRODUCT OR SERVICE Credit reporting or other personal consumer reports TYPE Credit reporting What type of problem are you having? 
Inactive modal Issue Problem with a company 's investigation into an existing problem Have you already tried to fix this problem with the company? 
Yes Did you request information from the company? 
No Type of Issue Investigation took more than 30 days What happened? 
TRANSUNION AND CONSUMER FINANCE PROTECTION BUREAU BOTH HAVE BEEN VOILATING THE CONSTITUTIONAL RIGHTS OF CONSUMERS FOR YEARS. WE ALL KNOW THAT TRANSUNION AND EXPERIAN, AND EQUIFAX ALL ARE FACTIOUS ENTITY 'S THAT PRACTICE UNALIGNING BEHAVIOR, AND THEY HAVE CROSSED THE LINE OF INTERNET CONSPIRACY TO COMMITTE T DETRIMENTAL HARM TO CONSUMERS ME AS A REAL PERSON, I HAVE EVIDENCE THAT TRANSUNION HAS DONE QUIT A BIT OF HARM TO ME AND THE ESTATE OF XXXX XXXX XXXX, THE EXECUTOR OF THE ESTATE OF XXXX XXXX XXXX, THE XXXX CLAN!!! XXXX. THIS IS AN INJUSTICE ON THE PUBLIC AND THE CITIZENS OF THE UNITED STATES OF AMERICA. THERES NO WAY SOMEONE'S SCORE DROPS XXXX POINT, AND A XXXX POINTS FOR USING CREDIT AS FOLLOWS : {$29.00} ON A {$1600.00} DOLLAR LIMIT ON XX/XX/XXXX TRANSUNION DROPPED MY SCORE XXXX POINTS FROM XXXX TO XXXX FACTS I HAVE PROOF. TRANSUNION DROPPED MY SCORE BY XXXX POINTS ON XXXX, XXXX BECAUSE OF MY CREDIT USAGE CHANGING FROM 52 % TO 20 %. WHERE DO WE GET TRANSPARENCY FROM THESE DAYS DEALING A XXXX FACTIOUS GOVERNMENT ENTITY THAT SHOULD BE HELPING THE PEOPLE OF THE UNITED STATES, NOT DO DETRIMENTAL HARM AND CAUSING ILLEGAL CONFUSION THAT ALLOWS THEM TO HAVE CONTROL OVER ONE ABILITIES TO GAIN WEALTH. I DO NOT STAND UNDER YOU AND NO OTHER ENTITY PARTICIPANTING IN AN ILLEGAL RING SET UP FOR FAILURE TO DO DETRIMENTAL HARM TO MINORITIES OF ALL COLORS. YOU HAVE CAUSED ME AND MY FAMILY AND CULTURE GREAT HARM WHICH WILL BE SENT TO THE SUPREME COURT FOR IMPLIED CONSTITUTIONAL LAWS/RIGHTS!! ! XXXX THIS SHALL BE REPORTED TO ALL AVENUES OF THE LAW IMMEDIATELY!! ! XXXX 15 USC 1681 14 CONSTITUTIONAL AMENDMENT [ WE THE PEOPLE ] 15 USC SECTION 241 Person I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. 

The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps. 
Inactive modal What would be a fair resolution to this issue? 
TRANSUNION CREDIT BUREAU OF A {$1000.00} FOR EACH VIOLATION AS FOLLOWS : 1. VIOLATION OF PRIVACY 2. DETRIMENTAL HARM TO CONSUMER AND FAMILY. 3. NON-COMPLIANCE TO CONSUMER DISPUTES FROM PAST. 4. ILLEGALLY SELLING OF INFORMATION TO THIRD PARTIES WITHOUT PERMISSION. 5. FLASELY REPORTING INACCURATE INFORMATION ON CREDIT REPORTS. TO BE SENT BY : Legal Tender, in the Form of a Check For Payment To XXXX XXXX XXXX XXXX XXXX as Follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA. XXXX UNIVERSAL DECLARATION OF HUMAN RIGHTS ARTICLE XXXX ( Relization ) ARTICLE XXXX Everyone is entitled to a social and international order in which the rights and freedoms set forth in this Declaration can be fully realized. ARTICLE XXXX Nothing in this Declaration may be interpreted as implying for any State, group or person any right to engage in any activity or to perform any act aimed at the destruction of any of the rights and freedoms set forth herein. The Executor of The Estate of : XXXX XXXX XXXX of the ( XXXX Clan ) XXXX attachments View uploaded documents by clicking on the file name. Documents that pass virus scanning are typically available within XXXX minutes of upload. 
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  What company is this complaint about? 
Company Information Transunion credit reporting agency Social Security number ( last four digits ) Date of birth XX/XX/XXXX Name as it appears on credit report XXXX XXXX XXXX Additional Company CONSUMER FINANCE PROTECTION BUREAU Social Security number ( last four digits ) Date of birth XX/XX/XXXX Name as it appears on credit report XXXX XXXX XXXX Complaint also submitted to this company? 
true Attempted to fix with this company? 
Yes Did you request information from the company? 
No Additional Credit Reporting Company Experian credit reporting Social Security number ( last four digits ) Date of birth XX/XX/XXXX Name as it appears on credit report XXXX XXXX XXXX XXXX also submitted to this company? 
Yes Attempted to fix with this company? 
Yes Did you request information from the company? 
No What people are involved? 

Your contact information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX United States Your preferred language XXXX Your demographic information Age XXXX XXXX Male XXXX, XXXX, or XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Combined annual household income $ XXXX Service details Branch : United States XXXX XXXX : Retired Rank : XXXX - XXXX Military base / location : XXXX XXXX XXXX XXXXo company Status Sent to company on XX/XX/XXXX We've sent your complaint to the company, and we will let you know when they respond. 

Their response should include the steps they took, or will take, to address your complaint. 

Companies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days. 

Company still working Status Company response is in progress as of XX/XX/XXXX The company has responded that it is still working on your issue In some cases, companies need more time to respond. You should receive a final response within 60 days from the date we sent your complaint to the company. 

COMPANY 'S INTERIM RESPONSE Thank you for submitting your complaint on XX/XX/XXXX, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We will review your complaint and act accordingly. Once the review is completed a final response will be forwarded to you to view. For additional assistance, you may call the toll-free telephone number provided on your personal credit report obtained directly from Experian, or write to Experian at XXXX. XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. For more information regarding your credit and frequently asked questions, you may visit : http : //www.experian.com/blogs/ask-experian. Please note that you may also submit your request or documents supporting your claim electronically at www.experian.com/upload. You may also visit Experians dispute center by visitingwww.experian.com/dispute. Thank you for submitting your complaint through the CFPB Complaint Portal. It is our policy to respond to consumer disputes swiftly and to take each one seriously. We appreciate you letting us know about your experience with Experian. 
Potential fraud Status Company responded there may be potential fraud involved on XX/XX/XXXX We reviewed the complaint you submitted and sent it to the company for a response. The company responded that you may have been a victim of fraud. 

What do I do? 

You can contact the company directly for more information. If you have been the victim of a scam, you are not alone. There are resources available to help you. 

XXXX XXXX XXXX XXXXXXXX set up the XXXX XXXX XXXX XXXX to assist consumers with fraud. You can call them at XXXX or visit XXXX. If the scam was Internet-based, you can review information about Internet-based scams and file an online report at IC3.gov. The Internet Crime Complaint Center is a partnership between the Federal Bureau of Investigation and the XXXX XXXX XXXX XXXX XXXX. 

You can also use the following government agency websites to get information on fraud, safety, and identify theft : Scams and frauds at USA.gov Scams and safety at FBI.gov Consumer information at FTC.gov Privacy Act Statement XXXXXXXX XXXX XXXXXXXX Note on user experience Have a question? XXXX? 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Monday through Friday ( except federal holidays ). 
More than XXXX languages available. 
US Flag An official website of the United States Government Inactive modalInactive modalInactive modal Complaint Detail

Company response to consumer: Closed with explanation