Consumer complaint received 2021-04-26
Company: EQUIFAX, INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX : You violated the United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms FCRA 605B ( 15 U.S.C. & 1681 c-2 ) THIS IS XXXX XXXX XXXX!! THE REAL DEAL XXXX XXXX XXXX. I am SUBMITTING this ON MY OWN BEHALF because I am mu own natural self. I HAVE NO OTHER AUTHORIZED THIRD PARTY! so don't pull that stuff about this being an unauthorized third party because I know you use that as a stall tactic. I also included my social security card because I am the only person who would be able to have access that that credit card plate. so basically somebody got my information and they are out here just running up and applying for different lines of credit using all my information. FURTHERMORE This agency is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT OR INQUIRIES. Please remove all fraudulent accounts as I have no know of any of these accounts due to the Equifax data breach/ identity theft. All is being investigated by the FTC and CFPB so you better not play around. According to FCRA 605B this information must be blocked immediately until the investigation is over and that is the LAW. If I received good and services, then I need you to please have a senior executive certify under the penalty of perjury that I in fact received good and services as a result of this transaction in writing under 15 USC 1681B ( a ) ( 2 ) .I bet y'all can't do that huh? If I consented to these inquiries, then please have a senior executive certify under the penalty of perjury that I in fact consented to these inquiries in writing under 15 USC 1681B ( a ) ( 2 ). I will sue y'all so good if he tries to lie on me. I understand that under 15 U.S. Code 1681c2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information RESULTING FROM identity theft within 4 days of receipt of this letter. y'all need to do it asap because y'all playing with my credit score out here. I can't get approved for nothing, I wan na buy a house very soon and y'all are stopping me. I contacted the Federal Trade Commission and filed complaints # XXXX & # XXXX and it is attached. Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. I did not consent to, authorize nor benefit from any of the following inquiries or accounts. Block and remove them. FAST!!!! 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.

Company response to consumer: Closed with explanation