Consumer complaint received 2025-01-18 00:00:00
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.
State: SC

Complaint narrative:
My name is XXXX XXXX, a federally protected consumer, and I am making the complaint against XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX for continuing to invade my individual privacy by committing abusive, deceptive, and unfair debt collection practices. I have never given XXXX XXXX XXXX XXXX XXXX XXXXXXXX any permission to use any of my identifying information to commit mail fraud or aggravated identity theft by contacting me about an alleged debt they claim I owe. I have attached an FTC report which will be used when filing for litigation in Federal court to this complaint. I am aware that the in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and and the assigned are both liable for violation under 15 U.S. code 1692e ( 12 ). I have not validated any alleged debt with XXXX XXXX XXXX XXXX XXXX XXXX and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/year>, I have not received any documentary evidence, such as a trilateral contract, giving XXXX XXXX XXXX XXXX XXXX XXXX any right to collect on this alleged debt. It is my belief that XXXX XXXX XXXX XXXX XXXX XXXX is attempting unlawful extortionate activities and theft by deception by attempting to furnish false and deceptive forms. I have never received any documentation requesting validation from XXXX XXXX XXXX XXXX XXXX XXXX before they committed multiple violated multiple violations under the FCRA and FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S code 1692d ( 4 ) which the FTC defines as debt parking. XXXX XXXX XXXX XXXX XXXX XXXX can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until XXXX XXXX XXXX XXXX XXXX XXXX can provide me with sufficient documentary evidence that I have the legal obligation to pay them. If this documentation can not be produced and XXXX XXXX XXXX XXXX XXXX XXXX continues its collection efforts I will file for litigation for actual damages caused and XXXX XXXX XXXX XXXX XXXX XXXXXXXX will be held criminally liable for aggravated identity theft pursuant to 18 USC 1026A, extortion, theft by deception, security fraud, and mail fraud. Also XXXX XXXX XXXX XXXX XXXX XXXX has committed a violation by reporting this alleged debt as a charge off which is inflation of 15 USC 1692d ( 4 ), advertisement of sale of any debt to coerce payment of the debt. For the past three years, XXXX XXXX XXXX XXXX XXXX  have engaged in debt parking, reporting an alleged debt to all four credit bureaus with an incorrect address and a misspelled name. I have never rented anything. This company 's actions have negatively impacted my credit report for three years, and they have failed to provide any legitimate proof of my ownership of the alleged debt. Furthermore, they have not contacted me regarding this supposed debt, likely because they do not have my correct information. I have documented proof of this situation. On XX/XX/year>, I called their office and informed an employee that their tactics felt like extortion. I requested the removal of this nonexistent debt from my credit report. However, the representative could not even locate the debt in question. This situation clearly indicates that they have illegally weaponized my credit report, exerting financial and emotional control over me for years. I demand accountability for their actions.

Company response to consumer: Closed with explanation