Consumer complaint received 2025-04-06 00:00:00
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.
State: TN

Complaint narrative:
Tennessee Child support To whom it may concern : My name is XXXX XXXX a natural living person. This is a notice that you unlawfully reported an unauthorized account on my consumer report. I recently received communication from you attempting to collect the above listed alleged debt. Your initial communication to me in an attempt to collect the alleged debt was within 30 days ago. 



Please be advised that I hereby dispute the validity of the alleged debt listed above and its entirety. 



Further I request verification, validation and proof that this alleged debt and child is mine. In addition I want proof of a copy of a contract or agreement. Said contract or agreement must be with the original creditor, and must be signed by all parties involved.

You are illegally attempting to collect on the above alleged debt and money that I DO NOT OWE. Cease-and-desist all collection activity including ALL REPORTING to the consumer reporting agencies. Promptly request deletion of all present and prior reporting to the consumer reporting agencies. If you comply with my request within 14 days then you are excused from verification. 





I have not given you written permission to put anything on my consumer report according to 15 USC 1681 ( b ) Permissible Purpose. 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 instruction of the consumer to which one we relate.

You have no permissible purpose by law to contact third parties with my private or personal information. 15 USC 1681 A4 speaks on a consumers rights and privacy. 15 USC 1692 speaks further on the consumer 's right individual privacy. According to The Privacy Act, you have violated my right to privacy under the FCRA and the FDCPA. I will not tolerate this abuse! I am a Litigious consumer. I will not hesitate to take legal action and sue you. Yes I will sue you for my infringement on my right to privacy, for advertising this alleged debt on my Consumer report that I do not owe.

You have no lawful or legal right to collect on. Show me the agreement and or a personal responsibility contract. When and where did I enroll in this program? Send me the contract baring my endorsement, my signature with my first and last name and the head of the child support agency. 



Legal duty : an obligation arising from contract of the parties or the operation of law, XXXXXXXX XXXX XXXXXXXX. No contract, no legal duty. It is unlawful for the advertising of any debt to coerce payment. Stop harassing me. My mental health is on the brink of exploding. You have caused me severe harm and XXXX. 15 USC 1692D harassment or abuse of the advertisement of any debt to coerced payment. Your offenses Amount to aggravated identity theft, pursuant 18 USC 1028 A and 15 USC 1681 q. You have knowingly transferred or possessed or used without lawful authority, a means of identification of me which is a felony punishable by up to two years imprisonment in addition to civil liability. I am writing this letter to dispute the account. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief