Consumer complaint received 2021-08-05
Company: EQUIFAX, INC.
State: MI
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:
On XXXX certified mail was sent to remove all alleged debt reported without my ( the consumers ) consent to XXXX and Equifax in regard to these alleged student loans. Exhibits were attached in the form of my actual credit report. I am hoping to receive a reply but in the interim, I am filing a complaint ; as my rights have been violated. I am also looking for monetary compensation in the amount of {$5000.00} for the distress it has caused both myself and my family for 5 FEDERALLY PROTECTED CONSUMER RIGHTS VIOLATIONS UNDER 15 USC 1681 & 1692 and this retribution is minute in comparison to many other violations that could be claimed under this section. 

Please see below explanations. 


1. According to the Fair Debt Collection Practice Act section 15 USC 1692e I as a consumer have the right to not be violated by the communicating of any credit information that is known or should be known to be false. There is no proof nor validation of this debt. Therefore, it SHOULD be known to be false in accordance with the above. In addition, I have never been presented with any affidavit that would provide validity to neither you nor the alleged debt collectors assessment.

2. According to the Fair Debt Collection Practice Act section 15 USC 1692e the said debt collector must not use any false nor deceptive/misleading representation. This includes but is not limited to the use of any business, company, or organization name other than the TRUE NAME of the debt collectors business, company or organization. None of the alleged debts have been validated nor represented by the original creditor. And there is reason to believe these alleged debts were sold. If these alleged debts were indeed soldWhere is the proof of the alleged debtors approval? This too is a violation of consumer rights pursuant to 15 USC 1692d ( 4 ). 

3. According to the Fair Debt Collection Practice Act I as a consumer have the right to privacy and my privacy has been breached. According to my credit report, there has been alleged debts published without my permission ; using my name and personal information by which to do.

4. According to the Fair Debt Collection Practice Act section 15 USC 1692d I as a consumer have the right to not be harassed, oppressed or abused in connection to any alleged debt. The publishing of this false information has done all of such. It has prevented me as a natural person from my rights to attain both material and physical comforts in order to safely and effectively support myself and my family. It has caused abuse by-way-of embarrassment due to the constant declination I have faced when trying to pursue this said right. It has sabotaged both my name and my creditability.

6. Pursuant to 15 USC 1681a ( 2 ) ( b ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card pursuant to 15 USC 1602 ( l ) is any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit. Hence, my social security card. In fact, my social security card with its attached number would have had to be used to transact any of the alleged debts listed. Therefore, pursuant to the above, this is a violation of my rights as a federally protected consumer.

Company response to consumer: Closed with explanation