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

Complaint:
XX/XX/XXXX RE : You violated the United States Code Law 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. 
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 showing inaccurate accounts on my credit report with incorrect balances, incorrect payment dates, incorrect last report date, incorrect payment status. 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 FDCPA 806 harassment n abuse you keep contacting me about debts that DO NOT BELONG TO ME. this is Harassment and abuse, and you are criminally and civilly liable in the court of law. 
15 USC 1692g - Validation of debts This agency was supposed 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 FDCPA 8012 furnishing deceptive forms you are reporting false misleading information on my credit report. Inaccurate information is very deceptive. you are GUILTY of reporting deceptive forms on my credit report that you can not verify as accurate. please provide me the original application for the said debt bearing my original signature. i will not accept a photocopy signature, i request the original document be sent or remove asap. 
FDCPA 809 validation of debt I did not consent to, authorize nor benefit from any of the following inquiries or accounts. Block and remove them. 
15 U.S Code 1681 a ( 4 ) Consumer Right to privacy i request you to provide me the original documents bearing my signature stating you have permission to infringement upon my right to privacy, because you are sharing my private information with creditors and other people without my consent. you are guilty of identity fraud. 
I certify that this is the REAL and Only XXXX XXXX ( my social security card is attached SS # XXXX ). nobody is writing this on my behalf, and I am definitely sending this letter on purpose. I am not mistaken about anything, I am fully aware that you have violated my comsumer rights and now I am taking proper action.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. 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. I already 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 was entered into consumer transaction with XXXX XXXX on XX/XX/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 took cash. The finance charge is suppose to include insurance, but XXXX XXXX made me purchase insurance separately. I feel deceived by XXXX XXXX because they took advantage of me. I did not consent to, authorize nor benefit from any of the following inquiries or accounts. Block and remove them :

Company response to consumer: Closed with explanation