Consumer complaint received 2023-11-15
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Date of Birth XX/XX/XXXX SS # XXXX I am submitting this complaint on my own free will and without the help of a third party. I have never entered into any business arrangement and I have never signed any contract to conduct any kind of business with you! I DID NOT GIVE MY WRITTEN CONSENT TO YOUR COMPANY TO OBTAIN MY NON PUBLIC PERSONAL INFORMATION ) I DEMAND PROOF OF AUTHORITY THAT GAVE YOU PERMISSION TO REPORT INACCURATE AND FRAUDULENT ITEMS ON MY CONSUMER REPORT! I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exist! 
If you're not the holder in due course you can not legally try to collect or enforce a claim against me. The law says that Under the UCC 3-302. HOLDER IN DUE COURSE. ( c ) Except to the extent a transferor or predecessor in interest has rights as a holder in due course, a person does not acquire rights of a holder in due course of an instrument taken ( i ) by legal process or by purchase in an execution, bankruptcy, or creditor 's sale!! 
The information listed below, which appears on my consumer report, does not relate to any transaction ( s ) that I have made. I have a right to privacy according to the fcra, and your unauthorized reporting has violated that by furnishing non verified, fraudulent and inaccurate information. You do not have my permission to furnish any information on my consumer report in the first place. You are violating the fcra! YOUR COMPANY IS IN VIOLATION OF 18 U.S. Code 1028A - Aggravated identity theft because you knowingly obtained and used my non public personal identifying information without lawful authority. 
Please provide the original contract of indebtedness ( with my original wet signature ) if indeed your claim is true. In addition, I would like for these companies to show legal documents proving they have the legal right to collect on the alleged debts in my state and city. 
I DEMAND THE BELOW ACCOUNTS BE REMOVED IMMEDIATELY XXXX  XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX The below information is being reported without my consent and without proof that these items even exist XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I DEMAND YOU PROVIDE ME WITH THE FOLLOWING . 
1. Provide a CERTIFIED copy of Authorization signed by me, naming your company as having my consent to furnish, update, verify, inquiries, add comments and/or dispute codes of any access to my personal consumer file.

2. Provide a Certified copy of the full chain of assignments starting with the original creditor to any and every 3rd party collection company to present. 
Your failure to respond and provide strict proof of contracts and all the items noted above, presented to me in certified format, sworn under Penalty and Perjury and Authenticated by a notary, will constitute your tactic agreement that you are not entitled to enforce a claim against me. In the event you continue your collection efforts against me without providing proof of contract, I may do one or more of the following : 1. File a complaint with the Attorney General 2. File a complaint with the XXXX XXXX XXXX 3. File a Law Suit against you for harassment, Defamation of character, fraud, extortion, and invasion of privacy. 
You have 15 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me with your agreement, in writing, that you are closing your file, Ceasing collecting activity, and deleting all information related to the above account reference numbers from any and all consumer reports youve furnished the information to specifically XXXX, Equifax, and XXXXI am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and Equifax ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 15 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. 
I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 
P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney General 's Office CC : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief