Consumer complaint received 2021-04-08
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:
I XXXX XXXX am contacting you because I am so emotionally distraught about the compromising of my social security number, Email Login, and passwords. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed complaints # 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. 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 ). 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 ). My information was obtained without permissible purpose because I never gave your company written consent to accept information from any creditor, but you still accepted my information and reported it to the public.

15 USC 1681a ( 3 ) defines Identity Theft as a fraud committed using the information of another person.Your company is now criminally and civilly liable of identity theft and i plan to file litigation in this matter.

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. Your company does not have the jurisdiction to put whatever you want to reportt on my credit report, if so please send me a document specifically stating your jurisdiction over me and what I CHOOSE TO HAVE REPORTING TO MY CREDIT REPORT. I will not accept a non-monetary solution in this matter. I will only accept a payment by check, and removal of these accounts as a fair resolution. Any other arrangements other then that will be challenged by litigation so Im begging you to do the right thing. 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. I am a single mother who is struggling during the pandemic and the last thing I need is the credit Bureaus to be reporting false misleading information on my report. there are accounts listed on my account that don't even have contact information for me to send the company a direct Dispute. that is not fair and actually that is illegal.The following items below do not belong to me and is a result of fraud that I did not authorize : 1. XXXX XXXX XXXX XXXX XXXX ACCOUNT # : XXXX XXXX XXXX XXXX XXXX ACCOUNT # : XXXX 3. XXXX XXXX XXXX ACCOUNT # : XXXX 4. XXXX XXXX XXXX ACCOUNT # : XXXX 5. XXXX ADJUSTMENT-ACCOUNT # : XXXX 6. XXXX XXXX XXXX ACCOUNT # : XXXX 7. XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 8. XXXX XXXX- XX/XX/XXXX 9. XXXX XXXX XX/XX/XXXX 10. XXXX XXXX XXXX XXXXXX/XX/XXXX 11. XXXX XXXX XXXX XXXXXX/XX/XXXX 12. XXXX- XX/XX/XXXX

Company response to consumer: Closed with explanation