Consumer complaint received 2022-01-17
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
It is your duty to remove any debt that is not valid per the consumer. It is fact that I, the affiant, have tried to resolve this matter on numerous occasions with XXXX XXXX. They have continued to violate my consumer rights using my consumer credit to harass me for a total of {$3200.00} as well as blackmailing me stating they would harm my reputation if I did not comply which is illegal under XXXX5 USC 1691 ( A ) ( 2 ) ( B ), 15 USC 1692J, 15 USC 1602 ( P ), 15 USC 1692B ( 2 ), 18 USC 873, and 15 USC 1692d. I have also asked them to produce the original instrument in which I have signed for this alleged debt and they could not provide it. They then closed and sold my account to another debt collector, XXXX XXXX, being in violation of 18 USC 798, 15 USC 1692c, 15 USC 1692D ( 4 ). I have tried to handle this with XXXX XXXX on the dates of XX/XX/XXXX and XX/XX/XXXX and have notified the credit bureaus. They continue to violate me with their negligent and willful behavior which has not only damaged my reputation with loan balances and late payments, causing not only my credit to be denied, but also made me lose income, caused XXXX XXXX, and XXXX inhibiting my ability to properly XXXX XXXX XXXX XXXX XXXX 
Once again, I have made a complaint against XXXX XXXX on the CFPB on XX/XX/XXXX and they responded on the date of XX/XX/XXXX. Your response to me through the CFPB asked me to call you to handle this matter. As of XXXX XXXX you received a call from me and you could not conspicuously validate anything but use another form of alleged debt from XXXX debt collector as your own. In with discussion with one of your agents I informed her that stating I owe a debt would be a violation of 15 USC 1692B ( 2 ). She could not rebut that statement therefore, she knew that It was illegal. I told her I rescinded all of my signatures and she said that I was opted in. I felt completely violated through her use of tone and through that statement alone and told her that that was unauthorized use of my credit card when I have not applied authority 15 USC 1602 ( P ). Again a credit card is defined in 15 USC 1601-I so my social is a form of a credit card. After I explained that to the agent, she went on saying they have not used my credit card ignoring the validity of my factual statement. She went on in silence waiting for my response and told me it was a loan transferred over from XXXX XXXX and continued to tell me she had all of the promissory notes in front of her and willfully confined to tell me I owed a debt which is a violation of 15 USC 1692B ( 2 ) and 15USC 1692E ( 10 ). She did stated that I agreed to to the transfer of debt in the promissory note as a negligent none knowledgeable adult at the time I will you that the promissory note was false and misleading using language that I clearly did not understand which is a violation of 15USC 1692 ( 1 ). She then went on to say that XXXX XXXX Sold their whole portfolio of XXXX  loans to another entity by the name of XXXX XXXX XXXX trust which would be a XXXX party debt collector and XXXX XXXX XXXX is the servicer. That is a violation of 15 USC 1692D ( 4 ). Once again I can not owe any debt, because I have extended my consumer profile and debt is never I the positive. Every violation I sated above through this whole statement she kept saying she didnt understand, and kept referring back to documents I have not signed with them. I then repeated to her where did I sign a contract with XXXX XXXX XXXX. She could not give me a valid answer. You have not only lied, but taken my identity using my social and signature, which is identity theft. She went on saying of course you didnt. That Is all the proof I needed to prove I never had a contract or owed you guys anything. It is an illegal debt and I have filed a police report and an ftc report.

Company response to consumer: Closed with explanation