Consumer complaint received 2021-04-27
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 : This is not a regular dispute. Take action immediately You violated the United States Code Law FDCPA 807 False misleading information FDCPA 809 validation of debt FDCPA 8012 furnishing deceptive forms 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy 15 USC 1692g 15 USC 1681n defines Civil liability for willful noncompliance 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Notice to all, I Am that I am, the consumer I fact, natural person, original creditor, lender, executor, XXXX, holder in due course for any and all derivatives thereof for the XXXX, XXXX and I have been appointed and accept being the executor both public and private for all matters proceedings, and I hereby claim that I will d/b/a XXXX XXXX and autograph as the agent, attorney in fact, so be I ; IT IS ME XXXX XXXX THE REAL ONE AND ONLY XXXX XXXX SO PLEASE DON'T LIE AND SAY THIS IS A UNATHORIZED PARTY SENDING YOU THIS BECAUSE IF YOU DO, I WILL USE THAT STALL TACTIC AGAINST YOU IN litigation. i am on to the games that your agency likes to play thts why i STUDY THE FCRA, TRUTH AND LENDING ACTS, ETC DAILY so i can stop being taken advantage by you bureaus who have absolutely no power. You're not even a government agency, anybody can wke up one day and decide to report people 's credit. the only thing is you must do it accurately and you have not, therefore you are in violationa and you are in XXXX XXXX. Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report. Under FDCPA 807 False misleading information, you are misleading the public and creditors by displaying this false information on my credit report. that nonsense is ridiculous and I will not stand for it. under FDCPA 809 validation of debt, you can not even verify this debt because I have not supplied proof under doctrine of estoppel by silence, Engelhardt V. Gravens XXXX MO XXXX XXXX XXXX, XXXX, I presume that no proof of The alleged debt, Nor therefore any such debt, in fact exist. under FDCPA 8012 furnishing deceptive forms, you can not provide me the original application bearing my signature for any of this debt, therefore making your information fictitious. under 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy, you infringed upon my right to privacy by sharing my personal credit and medical dealing with the public and other creditors without my consent, this is identity theft. under 15 USC 1692g, 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 DEB. As a consumer these accounts on this letter must be deleted immediately, or I will seek monetary damages in small claims court in my city and state. Also we have already involved and sent this letter to the Consumer Financial Protection bureau, attorney generals office, XXXX XXXX XXXX and federal trade commission. My information was obtained without permissible purpose. 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 identify all the inquiries accounts listed below as to be a result of identity theft, therefore they should be removed from my account no later that 4 days of receiving this complaint. 
15 U.S. Code 1681c2 defines as a Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 2 ) a copy of an identity theft report ; I demand that the following account be verified or removed immediately. 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. According to FCRA 605B this information must be blocked immediately until the investigation is over. If I received good and services, then 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 ). 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 ) ( XXXX ). I understand that under XXXX XXXX Code XXXX you must complete this reinvestigation AND BLOCK OR UPDATE ALL information RESULTING FROM identity theft within 4 days of receipt of this letter. I will be using this complaint, and any any stall tactics such as " can't respond to unauthorized parties '' as evidence in my lawsuit against all the companies that violate my consumer rights so lets not even go there. I AM XXXX XXXX, I AM XXXX XXXX, I AM XXXX XXXX, I AM XXXX XXXX, I AM XXXX XXXX, I AM XXXX XXXX, WHO AM I? Let 's say it together " I AM XXXX XXXX '' WHO? XXXX XXXX, ok then.

Company response to consumer: Closed with explanation