Consumer complaint received 2025-01-15 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: KY

Complaint narrative:
XXXX XXXX {$7500.00} and XXXX {$2300.00}. Disputed debt with both company and they could not validate the debt and only sent me statements which is not a validation of debt. I asked for the following and they could not provide me with anything. The Following is what I asked for and they could not provide. 

Provide licensing, documents proving registration at XXXX of XXXX, and permitting information that proves you are legally allowed to collect on. Issue and/or originate promissory notes of the XXXX XXXX XXXX XXXX XXXX  , colloquially known as dollars from the current trustee ( s ) of the trust you claim you represent as an agent or principal/trustee. 
If you are unable to validate this debt you agree XXXX XXXX is a victim of identity fraud. 
You are hereby in receipt of notice under the authority of the Fair Debt Collections Practices Act FDCPA - regarding your above-referenced file number that part, or all, of the alleged debt, is DISPUTED and hereby demand validation and verification, in writing to include but not be limited to these items XXXX. An authentic signed, by both parties, contract between you and XXXX XXXX and other supporting documentation that gave rise to the alleged obligation XXXX XXXX is claiming owed. Please be advised. A COPY of the said Note nor an Affidavit of Loss or any other forms will not be accepted and is proof, agreement to, and evidence of domestic terrorism. Please send information on where this original contract is and when it can be viewed. 
2. An authentic invoice for goods and/or services you provided.

3. You will prove that you are the originator and lender of the funds if you claim to be and that the XXXX XXXX XXXX XXXX XXXX. nor any other entity besides your organization originated these funds.

4. Production of the account and general ledger statement showing the full accounting of the alleged obligation you are attempting to collect from me signed and sworn by the person responsible for maintaining these records ; As well as having first-hand knowledge as to their accuracy and authenticity, and able to testify under oath to that effect.

5. Under the Truth in Lending Act pursuant to 15 USC 1601-1667j ( full disclosure ), I have a right to know who the true party of interest in this transaction is.

6. Please also stipulate, for the record, whether or not the alleged loan has been securitized, and if so, the name and all other information of the financial instrument the alleged loan is bundled with.

7. Under US Code TITLE 15 > CHAPTER 41 > SUBCHAPTER V > 1692g part b ), this debt is now officially in dispute. By law, all collection activities must cease until this matter is resolved. You are hereby given notice. Blatant disregard for this law is subject to fines by the FTC and is a criminal offense known as domestic terrorism, among other criminal acts you are engaged in.

Litigation is costly for you and should be avoided. This is my good faith attempt to resolve this matter before I am forced to litigate and record Notice of Lien against XXXX XXXX and its assets starting with its corporate headquarters, criminal and civil complaints, etc. etc. I am willing to resolve this matter privately and civilly as to avoid burdening our courts and county recorders with this matter. Please notify me of your settlement offer in writing.

Further contact to collect on this debt after receipt of this notice without providing procedurally proper validation of the alleged debt constitutes a scheme of fraud by advancing a writing that you know or should know is false, with the intention that the courts and/or others rely on the written communication to impair or damage my personal credit rating, my reputation, my standing in the community as well as intentionally inflicting financial and emotional harm upon me which are all acts of domestic terrorism. I take this notice, and my rights, very seriously and expect XXXX XXXX to do the same. 
In the event that this debt is not validated by you as required by the Fair Debt Collections Practices Act, you have a legal responsibility to terminate the claim and correct any negative credit reporting which may have been made in connection with this alleged debt. You may want to obtain a legal opinion on this, but I believe that would constitute a scheme of fraud if this debt were to be resold ; assuming that XXXX XXXX has not in fact already sold the note it is trying to collect on which would prove they had already been paid on the note they are trying to collect on, yet another scheme of fraud the employees, owners, and auditors would all be personally and professionally liable for individually and collectively as collusion for the reason of domestic terrorism would be easily evident. 
I also will not respond to any future correspondence which is not signed or does not indicate who at your firm has sent the correspondence. 
Failure to provide these items shall mean your admission that you have no legal claim and that your claim is proof of domestic terrorism.

Company response to consumer: Closed with non-monetary relief