Consumer complaint received 2025-05-16 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: PR

Complaint narrative:
In responded to XXXX XXXX validation of the debt. 


XX/XX/XXXX XXXX XXXXXXXX Customer Advocacy Office XXXX XXXX XXXX XXXX, VA XXXX Dear Advocacy Office : In response to your letter. 

You stated in your letter that I have opened a credit card with you on XX/XX/XXXX. Under your investigation you stated that the application was opened online. 

1. My question is the following if I opened an account online how you are sure that was me.

2. That does not prove that was me. I have a Fraud Alert Open in all credit bureaus that stated that no one can approve credit to me without contacting me first and verified that I am the one requesting credit.

3. So that even said, you did not contact me. Because I have not provided my permission to open credit.

You also state that the contact information used to open the account ( listed below ), has been linked to you by public records : 1. Which is completed wrong. That is not my address nor my phone number. I have not lived at that address since XXXX. I have proved where I live after XXXX. That the your so linked or whatever you use is incorrect. 

You also stated, that, we mailed billing statements to XXXX XXXX XXXX, XXXX XXXX, PR XXXX, which has been linked to you by public records, and did not receive any returned billing statements or other mail sent to this address. 
2. These statement does not prove that it was me.

You also stated, that due to the sensitive nature of this document and in an effort to protect your personal information, we are unable to enclose a copy without performing additional verification steps.

1. Because you did not verify my identity that is the reason. You open an account without my consent. Ignored the Fraud Alert on my credit report that stated do not extend credit until you contact the person in question.

2. I am requesting the original contract with my live signature. You have 30 days to send it to by as CFPB law 15 USC 1681i ( a ) ( 5 ) ( A ) You also state that, if you would like to receive a copy of statements, please contact us directly to complete the verification.

1. I dont need copy of the statement, because I never open that account. As I stated above a want to contract with my wet signature. I want your company to responsible send me copy of the purchase I made and validate that I did it. I demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature in wet ink, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine.

You stated that, we received electronic payments from an account ending in XXXX with XXXX XXXX XXXX, that weve confirmed belongs to you. 
1. That account does not belong to me. I have not opened an account with XXXX XXXX XXXX. If you did call XXXX XXXXXXXX XXXX you are under violation of FDCI. But the account is not mine. 
You stated that, we located recorded calls from XX/XX/XXXX, in which you contacted us about this account and stated it was your account. 
1. This is the funniest thing I have heard, so the account was open on XX/XX/XXXX online and then you received a call from me and your recorder it. If the account was open, why should anyone I call you. It was open already. 
You stated, we confirmed the Welcome Kit was mailed to the address on file, and there is no evidence of returned mail.

1. This does not validate that I was living at the address.

Your stated, We, understand you would like us to modify the information we reported about your account. Since weve confirmed that were reporting accurate information, we are respectfully declining your request that we ask the Consumer Reporting Agencies ( CRAs ), to change the information we're reporting about this account.

1. I dont want you to modify the information I want to correct, deleted your error you open an account to someone else that was not me, most of all you are in violation of my rights you can not validate this account.

You stated, we requested that the CRAs report your account as being disputed by you. Please allow up to 60 days for these agencies to update their records. If you have any questions about how this may affect your credit file, please contact the agencies directly. Their contact information is below : I will be notifying the CRAs report that you are not validating this account, since none of points mentioned above are correct. None of your responses make sense. Needless you said you have ignored my Identify Theft Police report not ones three time that was submitted to you.

As a federally protected consumer I'm seeking proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

You stated, in reviewing this account, we noticed this is the first time that you have brought your fraud concerns to our attention. To ensure future fraud concerns are handled quickly and accurately, we ask that you please promptly contact our Customer Service Department at XXXX. 
1. Another incorrect statement, I have had a Fraud Alert on my credit report for almost 14 years. So, when you granted credit to the fraudulent person you did not follow the rules. You violated my rights. 

Experian XXXX. XXXX XXXX XXXX, TX XXXX XXXX www.experian.com  Equifax XXXX. XXXX XXXX XXXX, GA XXXX XXXX www.equifax.com TransUnion LLC 2 XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX www.transunion.com

Company response to consumer: Closed with explanation