Consumer complaint received 2021-04-29
Company: EQUIFAX, INC.
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
RE : You violated these United States Code Laws 5 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. 
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report.

FDCPA 807 False misleading information you are decieving the public and creditors by reporting this inaccurate, incorrect, unverifiable, unverified information on my credit report. you are in violation clearly. 
FDCPA 809 validation of debt i am the original creditor, there is no credit being created without me so onLY i can validate this debt.I have not supplied proof under doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW715, 719, I presume that no proof of The alleged debt, Nor therefore any such debt, in fact exist.

FDCPA 8012 furnishing deceptive forms the forms you are reporting to my credit report are deceptive. you are reporting inaccurate information on my credit report. you are not above the law, you must report accurate information and you have not so you are in violation.

15 U.S Code 1681 a ( 4 ) Consumer Right to privacy the dealings between me and other creditors are private, and should've remained private between me and the creditor. when the creditor shared my information with the credit Bureaus, they infringed upon my right to privacy. as the consumer, I define that information as private to me so therefore IT IS PRIVATE and you shared it anyway. i want compensation. 
XXXX XXXX Code XXXX - Validation of debts This agency is in violation of XXXX XXXX XXXX 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!!!! 
15 USC 1681n defines Civil liability for willful noncompliance 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 XXXX XXXX, The Real XXXX XXXX. this has been written, prepared, and sent by me, yup i did it all by myself with no help.I also attached my social security card # XXXX that you know thats its the real me. i am writing you this letter on purpose and i am not mistaken about anything, i am fully aware that i am disputing accounts on my credit reports. I was entered into a credit inquiry transaction that I did not authorize or consent to whatsoever.I am a victim of identity theft and I believe my information is being used by some very bad people on the internet dark web.I have contacted the FTC and attached the report # XXXX. I was also entered into a janky credit transactions with XXXX XXXX XXXX & XXXX. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but XXXX XXXX XXXX & XXXX took cash. The finance charge is suppose to include insurance, but XXXX XXXX XXXX & XXXX made me purchase insurance separately. Also i was entered into A consumer credit transaction in which I was tricked into thinking that I got a loan when in reality I only came for the credit, the promissory note was for them because XXXX XXXX & XXXX got the loan 15 usc 1431. I am demanding that you follow the consumer laws and stop reporting these false misleading things on my credit report.

Company response to consumer: Closed with explanation