Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (SC)

Additional Concerns ... .... 

XXXX XXXX XXXX XXXX ( Mail XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delaware XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  New York XXXX XXXX # XXXX Names and titles frequently used by this company : XXXX XXXXXXXX XXXX XXXX XXXXXXXX. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Account ending in redacted* Account number ending in redacted* ( why are there two account numbers for the same alleged account? ) Reference Number : redacted* It appears theres is a great deal of confusion, I appreciate the opportunity to address XXXX XXXX XXXX XXXX XXXX XXXX however ; I did not mail a validation notice to XXXX XXXX XXXX XXXX. being the alleged debt was transferred/contracted/sold to XXXX XXXX XXXX. 

A validation of debt notice was received at XXXX XXXXXXXX XXXX  headquarters ( on XX/XX/2024 via the USPS ) XXXX XXXX XXXX, was to provide all valid contractual agreements authorizing the usage of my private property also referred to as my social security number. XXXX XXXX XXXX, was also requested to answer how my social security number was obtained. 

An unknown authorized representative of XXXX XXXX XXXX, contacted XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX due to their failure to provide an honorable contractual agreement for the equitable exchange of goods and/or services to me. 

Per Cardmember Services notice dated XX/XX/2024 : I did not contact XXXX XXXXXXXX XXXX XXXXXXXX. directly it was in reference with including the alleged original creditor. 

I did not request billing statements from XXXX Service or Card Executive Offices on behalf of XXXX XXXXXXXX XXXX XXXXXXXX ; the ORIGINAL SIGNED, WET INK INSTRUMENT OF INDEBTEDNESS IN ITS ORIGINAL FORM was requested as it identifies XXXX XXXX XXXX, as honorable Holders in Due Course. 

According to Card Executive Offices notice dated XX/XX/2024 : the alleged debt was NOT sold to XXXX XXXX XXXX ; XXXX XXXX XXXX, is in no way affiliated with XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX There are no supporting documents proving a partnership with XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX as provided on the Better Business Bureau, the Internal Revenue Service, and the Secretary of States public websites. 

Therefore ; How was my personal information obtained/accessed by XXXX XXXX XXXX XXXX Note : XXXX XXXX XXXX, refers to XXXX XXXXXXXX XXXX XXXX  XXXX XXXX as their client. ( Why would XXXX XXXX XXXX, attempt to collect an alleged debt on behalf of XXXX XXXXXXXX XXXX XXXX XXXXXXXX? ) Provide the clear and legible ORIGINAL SIGNED, WET INK INSTRUMENT OF INDEBTEDNESS IN ITS ORIGINAL FORM. 

Also, provide all additional pages with all proprietary information as it contains the information required to prove XXXX XXXXXXXX XXXX XXXX. are Holders in Due Course. As stated in the notice dated XX/XX/2024 Note : This letter is sent only in request for the ORIGINAL SIGNED, WET INK INSTRUMENT OF INDEBTEDNESS IN ITS ORIGINAL FORM.

Due to the Card Executive office stating Unless you have additional concerns, we will not respond to another request from you to validate your debt. Im a bit confused as I have a right to request validation of an alleged debt when in-fact XXXX XXXXXXXX XXXX XXXX  XXXX. is responsible for sharing my private information with XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXXXXXX. failed to provide a valid explanation as to how this matter occurred. 

As a courtesy, XXXX XXXXXXXX XXXX  XXXX. will receive duplicate Validation Notices to each address provided above. Why would the Card Executive office encourage me not to challenge wrong doing against myself? Do I not have a right to protect myself? 

I would like to settle this matter honorably ; accompanied with XXXX XXXX XXXX XXXXXXXX assistance to provide what is requested, this matter will be solved as quickly as possible. 

Kindly provide an authorized representative on behalf of XXXX XXXXXXXX XXXX XXXX. to enhance communication between each party. 

All supporting proof is attached