Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
* * I have been a victim of XXXX  Data breach and Equifax XXXX XXXX XXXX I have sent two letters to this company please see below : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Va. XXXX TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX RE : Intent to file a Lawsuit XXXX XXXX  Account Number : NONE To Whom it May Concern : I reviewed my credit report and I see a collection from XXXX XXXX  I have no business with this company and as allowable under the Fair Debt Collections Practices Act, I am requesting validation of the alleged debt. I am unaware that there is a debt from XXXX XXXX. Furthermore, I am allowed under the FCRA law to protect my privacy from third parties. I do not recall giving permission to any creditor for them to release my personal information to a third party. My personal information can only be revealed with my authorization ; therefore, my request is twofold and as follows : Validation of Debt and HIPPA Authorization 1. I am requesting that the business associate provide debt validation for account in question above. Please provide that validation in the form of agreement, original bill. 2. Please provide a copy of my signature with the original creditor to release my personal information to you. 3. Please provide a report of comparative analysis between the dubious signature and the signature recognized by the alleged signer, if any. 4. Cease any credit bureau reporting until the debt has been validated by me. 5.Please provide me with a verified certificate of authority, and proof that your company is license to collect debt in my state. Kindly provide me with a license number and registered agent and service. 6. Finally, please provide an affidavit signed under penalty of perjury that your organization has violated any portion of the FCRA and FDCPA. Please send this information to my address listed above and accept this letter, sent certified mail, as my normal debt validation request, of which I am allowed under the FDCPA. Please note that by withholding the information you take full responsibility of my complaint will be a violation of the FDCPA because you will be deceiving me after my written request. I am requesting full documentation of what you received from the creditor of service and connection with this alleged debt. Furthermore, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I have not supplied proof under the doctrine of estoppel by silence, Englehardt v Gravens ( mo ) 281 SW715,719, I presume that no proof of the alleged debt, in fact therefore exist. I await your reply with the above requested proof. Upon receiving it. I will correspond back with you by certified mail.

Company response to consumer: Closed with explanation