Consumer complaint received 2023-07-14
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have not supplied under the doctrine of estoppel by silence Engelhardt v Gravens mo 281 SW 715719 I presume that no proof of there alleged debt, nor therefore any such debt, in fact therefore exist, no original signed contracts hasnt never been provided to me as requested in there investigation or shown by equifax to me to verify these accounts are mine. 

Remove the following accounts immediately from my credit file and remove from public records as requested I dont have any original written contract signed with these company. How were these accounts verified?, why know documentation hasnt been provided showing an original signed contract with these company by Equifax to me. 

XXXX XXXX  ( fraudulent account and charges XXXX XXXX ( is not mine this account is fraudulent charges and account, no signed contract or documentation has never been provided to me as requested in equifax alleged investigation 30 Day expiration has expired as well. 

XXXX XXXX XXXX ( this is not an collection of mine, XXXX XXXX XXXX doesnt have any written agreement or signed contract with me at all, and havent provide equifax any documentation that I own them a debt, equifax has fail to provide this information by stating this account is verified. But havent send any documentation to me as requested showing how it was verified, what steps was took to verify this debt, this is direct violation 15 U.S.C. 1681 S-2 ( a ) ( XXXX ) XXXX XXXX  account was report as fraud these fraudulent charges on this account has been report fraud an valid police report has been submitted to Equifax XXXX XXXX  has violated my FCRA rights by sharing information to a third party company by the name of resurgent Captial service without my written consent or instructions which is a direct violation under my rights 15 U.S.C 602 section 8 15 U.S.C. 604 ( a ) section 2 15 U.S.C. 1681 C-2 section c I dont owe any to XXXX XXXX  / or this third party collector by the name of XXXX  XXXX XXXX thats trying to seek a debt on there behalf or trying seek money out of me by falsifying there identity .I dont have any original written signed contract with either of these parties. And they have not provided any documentation within the last 30 days as requested, equifax has stated this account is completely verified, but how? When they have not provided any information or shown any written signed contract that bind me to this debt. If they stated its been investigated and verified Im demanding to send documentation to me showing the finding of there investigation and How and what sources led to verifying this account. The 30 Day expiration dates has expired, equifax has clearly violated my FCRA rights by neglecting to investigate throughly of these obvious fraudulent accounts and inaccuracies Police report, driver license, proof of residence, has also been provide several times as well. 

Remove these account immediately from my credit report!!

Company response to consumer: Closed with non-monetary relief