Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX XXXX  for fraudulent debt collection, credit reporting, and failure to disclose securitization of my account. This is for my XXXX XXXX card ending in XXXX and the unauthorized card ending in XXXX. 
On XX/XX/year> and XX/XX/year>, I issued multiple written and validation requests to XXXX XXXX. They failed to provide proper validation, producing only account statements and not the chain of title, assignment, or proof of lawful ownership. 
I have asked XXXX XXXX to confirm or deny XXXX simple questions ( XXXX ) Was my account securitized? ( XXXX ) Was my account sold. If so, I do not you anything. ( XXXX ) Was my account transferred into an XXXX  ( Special Purpose Vehicle ) and traded on the secondary market? No response to my questions! However, I have been sent stacks of statements! 
As a results, XXXX XXXX initiated a lawsuit against me in XXXX XXXX XXXX XXXX ( Cause No. XXXX ) seeking {$3400.00}. However, my account was already securitized and sold into an XXXX XXXX ( XXXX XXXX. XXXX ). 
The securitized pool tied to this XXXX  has a net value exceeding {$25.00} XXXX, yet XXXX continues to pursue me personally for a debt they no longer own or control. 
XXXX XXXX breached its own XXXX XXXX, which requires written notice before initiating a lawsuit, mediation, or arbitration. No such notice was given. 
Despite securitization and payoff, XXXX continues to furnish inaccurate negative tradelines to XXXX, Equifax, and XXXX, causing severe damage to my credit score and ability to obtain housing, credit, or business financing. 
The complaint filed by XXXX XXXX Attorney has a copy of my XX/XX/year> statement for my XXXX credit card but the account number she listed is not the same account number I have on my statement XXXX - XX/XX/year> statements. This account has been closed nearly a year ago. Therefore, no new account should exist with my name or business on it that I did not open or authorize. 
In conjunction with securities fraud, I will be filing my complaint with the Attorney General and the SEC. 
I have disputed the account over the course of months. Equifax and XXXX XXXX and continue to come back stating the account was verified. This is false, they never provided their method of verification and because of the truth and proof, they will also be included in my lawsuit for violating the FCRA. 
Therefore, there is fraud, misrepresentation, breach of contract, omission of facts, failure to properly validate and possible securities fraud. I have XXXX additional accounts with similar circumstances and very obvious fraud involved. I will be filing the next XXXX complaints following this filing. I have also attached my response and counter claim to XXXX XXXX lawsuit with the court. I have attached all of the notices and proof of receipts I sent to the CFO and the CEO who flat out ignored my requests for full disclosure. I have my statements showing multiple account numbers for my initial account that was closed and the account I did not open or authorize. I have my affidavit of truth that was never disputed or rebutted only their adverse action of filing the lawsuit. Finally, I have the XXXX  to show the original account and can get the XXXX  for the new account if needed to confirm all of the accounts with my name on them have been securitized without full disclosure or compensation to me.

Company response to consumer: Closed with explanation