Consumer complaint received 2025-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There has been an issue with XXXX XXXX, and I have reported and disputed this unfamiliar account four times. Each time, Equifax has made an error, asserting that this alleged debt is valid without providing any evidence to support its validity. According to the FCRA, consumer reporting agencies are required to report fair and accurate information to protect a consumer 's financial stability. By failing to properly reinvestigate these false claims, Equifax is allowing XXXX XXXX to adversely impact my financial standing through my consumer reports, which does not grant them the right to undermine my financial opportunities and potential. 

Currently, Equifax asserts that they lack a record of my sensitive consumer data, despite the fact that they aggregate all consumer records in their databases, which are frequently impacted by data breaches. Why should I place my trust in your company with my carefully considered sensitive consumer data when your systems are vulnerable and inadequately stored or encrypted? You must work to earn my trust, especially since I am already involved in a civil lawsuit due to another data breach, and Equifax is requesting that I provide my sensitive data for identification purposes. Nevertheless, I will include some images that have been used previously. 



WHAT I NEED TO VERIFY THIS ALLEGED DEBT & CLAIMS : 1. I require evidence that XXXX XXXX applied interest solely on the borrowed amount and not on the unused credit that was previously available. 
2. I would like to receive a detailed itemized fee list to verify if there are any undisclosed charges that I may not have known about. 
3. I require evidence that when I and XXXX XXXX entered into this contractual agreement, that XXXX  XXXX offered a valuable consideration with the agreed-upon sum of money coming from XXXX  XXXX to me, the cardholder. The exchange of value, also known as consideration, is what renders a contract a legally enforceable agreement under contract law. If this exchange of value, or consideration, was neither provided nor acknowledged, then this contract is not legally binding. Therefore, I request the immediate removal of this error, along with the recovery of funds for damages and injury, as well as for the lack of integrity due to the unjust enrichment resulting from the falsification of inaccurate data for the company 's benefit. 
4. What justifies XXXX XXXX 's ongoing access to my sensitive consumer private information through the sale and sharing of my data? On what basis is this allowed, and what are the permissible purposes for XXXX XXXX in accessing my sensitive consumer data? 
5. I request the documentation demonstrating the right to pursue this alleged debt.

6. I request the documentation showing the Chain of Ownership Records.

7. I request the Transfer Certificate 8. I request the Documentation Demonstrating the " True Sale '' of Receivables.

9. I request the Receivables Purchase Agreement.

10. I request a certified Original Credit Card Agreement between me and the original lender. 
11. My consumer credit card agreement has undergone securitization. I am requesting a comprehensive explanation as to why I was not informed during the securitization process and why my sensitive consumer data was sold to third parties who are now demanding payments from me. I require a complete report detailing the timeline from when I signed this agreement until it was transferred to a XXXX XXXX XXXX. 
12. I request the Assignment of the alleged debt. I request the assignment documents. 

These requests are crucial to the purported debt being asserted by XXXX XXXX because this here is unfair practices.

Company response to consumer: Closed with non-monetary relief