Consumer complaint received 2021-06-29
Company: EQUIFAX, INC.
State: PA
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:
XXXX XXXX has not sent me any documents verifying this debt belongs to me. XXXX  only sent account statements with purchasing on them. 

PLEASE BE aware that a printout of a bill or itemized document does not constitute verification. YOU ARE IN STRICT Violation of the Fair credit reporting act. Please act now and remove this account from all CRA ASAP! 


1. Please send me the initial application when this account first was open so I can review information submitted to XXXX  XXXX and XXXX XXXX. Please DO NOT SEND A LIST OF PURCHASES MADE WITH THIS CREDIT CARD BECAUSE THAT IS NOT EVIDENCE.

2. This application was open over the internet so anyone with my information couldve submitted this. Please send me something bearing my We
t signature saying that I XXXX XXXX is responsible for this debt.

3. Please block this information fro
m my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

4. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, I am requesting that the item ( s ) be removed from all CRA!

Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby. 

Please send me the original instrument of indebtedness in its original form on or before XX/XX/2021. You can't produce the original instrument of indebtedness in its original form this account should be deleted from all CRA ASAP. 

REMINDER according to federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws it's illegal to report any derogatory accounts on CRA IF you can not produce an original instrument of indebtedness in its original form. Please do not send me an account statement with payment history, credit card purchases. Send me an original instrument of indebtedness in it's an original form or delete this account from all CRA ASAP OR I WILL SUE YOU! 

Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 

I am again formally requesting a copy of any documents, bearing my sig- nature, showing that I have a legally binding contractual obligation to pay you the alleged amount. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. 
I further remind you that you may be liable for your willful non-compli- ance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. I would be seeking a minimum of {$1000.00} in damag- es per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not lim- ited to Section 807-8 ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

Company response to consumer: Closed with explanation