Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

Dear : XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, AND OR XXXX XXXX XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX continues to utilize such terms as We, and our. An authorized representative was formerly requested carefully via certified mail. XXXX XXXX XXXX is a computer-generated signature. 

NAME does not self-identify ever as : You, or your. It appears that there are XXXX card numbers ending in -redacted and in - redacted Your acquiescence is accepted. Per the contractual agreement received in XXXX XXXX XXXX on XX/XX/2024 via certified mail number XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX  XXXX, do not have a valid contractual agreement to exchange goods or services. 

According to XXXX XXXX XXXX notice dated XX/XX/2024 & XX/XX/2024 : the alleged debt was NOT sold/ contracted to XXXX XXXX XXXX ; it was PLACED. Briefly explain who PLACED NAMEs private information with XXXX XXXX XXXX? Who decided NAME was/is a partner? 

Who decided it would be a responsible idea to release my social security number vaguely yet visible via the XXXX? Is this a standard practice/action to prove contractual agreements? Note the document is attached, and is redacted for my safety. 

The XXXX XXXX states in paragraph XXXX We partner with other companies for collection purposes. Where is the contractual agreement granting a permissible purpose to XXXX XXXX XXXX XXXX XXXXXXXX, The XXXX XXXX, or the XXXX XXXX unit stating NAME is/was in agreement with violating the FDCPA or the FCPA? 
It appears this action supported by XXXX XXXX XXXXXXXX XXXX  XXXX, The XXXX XXXX, and the XXXX XXXX unit places NAME in direct harm of identity theft? When is it ok to decide to carelessly misuse someones personal information? 

Per NAMEs formal request kindly provide : 1. An authorized representative 2. Whom released NAMEs social security number via mail aiming to utilize private information as a valid contractual agreement? ( carefully attached ) 3. According to the FDCPA which documents provided by an unknown authorized representative of XXXX XXXX XXXXXXXX XXXX  XXXX are sufficient to validate the alleged debt? 
XXXX Who declines NAMEs request to provide additional documents? The original instrument of indebtedness was only requested, and the contractual agreement between XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX was requested. 
XXXX. According to an unknown authorized representative of XXXX XXXX XXXXXXXX XXXX  XXXX the purpose of XXXX accounts ending in XXXX and in XXXX is due to a card reported lost or stolen. Provide proof of a lost or stolen card issued specifically to NAME. 
WE PARTNER WITH OTHER COLLECTION COMPANIES FOR COLLECTION PURPOSES XXXX Who placed this account with XXXX XXXXXXXX XXXX XX/XX/2024? NAME appreciates the unknown authorized representative of XXXX XXXX XXXX Bank XXXX admitting fraud and identity theft performed by XXXX XXXX XXXX XXXX  XXXX at the expense of NAME. 
XXXX. XXXX XXXX XXXXXXXX XXXX XXXX performed an unsubtle act of placing NAMEs private information carelessly to XXXX XXXX XXXX XXXX. NAME does not have a valid contractual agreement with neither XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Contractual agreements prove an equitable honorable exchange of goods and services, neither XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX have provided the original instrument of indebtedness. 
NAME respectfully declines the offer presented by an unnamed authorized representative of the XXXX XXXX XXXX, The XXXX XXXX, AND OR XXXX XXXX XXXXXXXX XXXX XXXX. 

This alleged debt is settled : XXXX XXXX XXXXXXXX XXXX XXXX refuses to provide what is specifically requested while abusing such terms as We cant comply with your request. Why is it difficult to produce the valid honorable contractual agreement for the purpose of proving an exchange of goods and/or services?