Consumer complaint received 2024-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
My Only XXXX & Last Name : XXXX XXXX XXXX My Only Address : XXXX XXXX XXXX XXXX, NJ XXXX The last XXXX of my SSN # XXXX My Only XXXX XXXX recently reached out to XXXX, XXXX and Equifax MULTIPLE XXXX now XXXX the BBB, XXXX FTC, XXXX CFPB, XXXX California, XXXX protection and innovation, as well as identity theft.gov and sent over affidavits of truth that were signed and notarized in the state of California the XXXX continues to persist with fraudulent information on my consumer report, and they are previous investigation, which rendered no results via XXXX Equifax XXXX XXXX, XXXX solutions, XXXX and XXXX XXXX under the fair credit reporting XXXX XXXX XXXX XXXX A ) ( XXXX ) ( A ) ( a ) REINVESTIGATIONS OF DISPUTED INFORMATION ( XXXX ) REINVESTIGATION REQUIRED ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. after speaking with all of the national credit reporting agencies, the violations continues. According to XXXX XXXX XXXX ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.So I then asked them to provide me a description of the investigation according to XXXX XXXX XXXX ( XXXX ) : ( XXXX ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( XXXX ) ( B ) ( XXXX ) by not later than 15 days after receiving a request from the consumer for that description. But they did not do that as well either.Legal Violations and Reasons : Cease and Desist I allege that XXXX, XXXX, and Equifax are in blatant violation of the following XXXX codes and legislation for the reasons specified : XXXX XXXX XXXX ( XXXX ) : Unauthorized communication with third parties about my debt. XXXX XXXX XXXX XXXX : Failure to correct and update inaccurate information in my consumer reports. XXXX XXXX XXXX XXXX ( XXXX ) ( XXXX ) : Misuse or misrepresentation of definitions and rules related to consumer reporting. XXXX XXXX XXXX XXXX ( XXXX ) ( XXXX ) : Further misuse or misrepresentation of definitions and rules related to consumer reporting. XXXX XXXX XXXX XXXX : Inadequate procedures for disputing the accuracy of my consumer reports. XXXX XXXX XXXX XXXX : Unauthorized access or use of my consumer reports for impermissible purposes. XXXX. XXXX Social Security Number Privacy and Identity Theft Prevention Act of XXXX : Unauthorized use or disclosure of my Social Security numbers. Section XXXX of the XXXX PATRIOT Act : Failure to verify my identification by financial institutions. Gramm-Leach-Bliley Act, Section XXXX : Failure to ensure the security and confidentiality of my personal and financial information. Gramm-Leach-Bliley Act, Section XXXX : Unauthorized sharing of my non-public personal information with non-affiliated third parties. Gramm-Leach- Bliley Act, Section XXXX : Non-compliance with federal regulations designed to enforce the act, thereby putting my personal and financial information at risk. XXXX XXXX a ( d ) ( XXXX ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form XXXX Cancellation XXXX Debt. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT Thus XXXX XXXX DATA SOLUTIONS XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of XXXX XXXX ss XXXX Returns Relating to the Cancellation of Indebtedness By XXXX Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form XXXX : XXXX XXXX AND IRS form XXXX : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved. I [ XXXX XXXX, issue this urgent and non-negotiable XXXX XXXX XXXX. I am the original creditor, lender, executor, and XXXX for all matters concerning my name and its derivatives. I act in public and private capacities and conduct business as [ XXXX XXXX ] I also serve as my agent and attorney-in-fact in all relevant matters. XXXX and XXXX XXXX penalty of perjury, I solemnly swear to the highest power of creation that the information contained herein is unequivocally true and accurate. Any failure to acknowledge this affidavit will be considered bad faith. Privacy Rights : Immediate Action Required My right to privacy, as explicitly protected by the Fair Debt Collection Practices Act, has been egregiously violated. I demand the immediate and complete removal of my personal information from your website, company records, and any affiliated entities. Failure to comply will result in further legal action. Legal Violations and Reasons : Cease and Desist I allege that XXXX, XXXX, and Equifax XXXX DATA SOLUTIONS XXXX XXXX are in blatant violation of the following XXXX codes and legislation for the reasons specified : XXXX XXXX XXXX ( XXXX ) : Unauthorized communication with third parties about my debt.-ACCOUNT NAMES ) ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) ( REGIONS BANK ) ( XXXX XXXX DEALER ) ( STATE OF NJ XXXX )- ( XXXX APPLIANCES ) ( _LENDINGPOINT ) ( XXXX XXXX L XXXX XXXX ) ( UPSTART NETWORK ) ( XXXX XXXX SOLUTION XXXX XXXX XXXX. XXXX XXXX ) ( XXXX. XXXX XXXX ) ( XXXX XXXX XXXX ( XXXX XXXX ) ( NJ XXXX XXXX ) XXXX XXXX WEDS XXXX CRDSRVC INQUIRIES NAME XXXX XXXX XXXX XXXX XXXX A P XXXX NA CAPITAL XXXX AUTO XXXX APPLIANCES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UPSTART NETWORK XXXX XXXX XXXX XXXX XXXX FACTUAL DATA XXXX F U REGIONS BANK ACCOUNT NUMBER XXXX XXXX XX/XX/XXXX PRICE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX L XXXX XXXX XXXX XXXX XXXX XXXX XXXX X X XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DATE XX/XX/XXXX XX/XX/XXXX XXXX XXXX / XXXX XXXX / XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX / XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX / XXXX XXXX / XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX / XXXX XXXX / XXXX XXXX XXXX XXXX XXXX NC SETTLEMENT O SYNCB SYNCB/PAYPAL TRANSUNION WE BANK NA XXXX XXXX ( Fraudulent Name ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Fraudulent address XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX HUNTERS HORN XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX, GA XXXX Violations and XXXX : XXXX and Desist I allege that XXXX XXXX XXXX, and Equifax are in blatant violation of the following XXXX codes and legislation for the reasons specified : XXXX XXXX XXXX ( XXXX ) : Unauthorized XXXX with third parties about XXXX debt. 
XXXX XXXX XXXX XXXX : Failure to correct and update inaccurate information in my consumer reports. 
XXXX XXXX XXXX XXXX ( XXXX ) ( XXXX ) : Misuse or misrepresentation of definitions and rules related to consumer reporting. 
XXXX XXXX XXXX XXXX ( XXXX ) ( XXXX ) : Further misuse or misrepresentation of definitions and rules related to consumer reporting. 
XXXX XXXX XXXX XXXX : Inadequate procedures for disputing the accuracy of my consumer reports. 
XXXX XXXX XXXX XXXX : Unauthorized access or use of my consumer reports for impermissible purposes. 
XXXX. XXXX Social Security Number Privacy and Identity Theft Prevention Act of XXXX : Unauthorized use or disclosure of my Social Security numbers. 
Section XXXX of the XXXX PATRIOT Act : Failure to verify my identification by financial institutions. 
Gramm-Leach-Bliley Act, Section XXXX : Failure to ensure the security and confidentiality of my personal and financial information. 
Gramm-Leach-Bliley Act, Section XXXX : Unauthorized sharing of my non-public personal information with non-affiliated third parties. 
Gramm-Leach-Bliley Act, Section XXXX : Non-compliance with federal regulations designed to enforce the act, thereby putting my personal and financial information at risk. 

Remedial Actions : Immediate and Non-Negotiable Compliance Required I insist that you act immediately to address the following concerns, which are non-negotiable and require your immediate attention : ( XXXX XXXX XXXX XXXX ) ( XXXX XXXX ) ( XXXX ) ( REGIONS BANK ) ( XXXX XXXX DEALER ) ( STATE OF NJ XXXX )- ( XXXX APPLIANCES ) ( _LENDINGPOINT ) ( XXXX XXXX L XXXX XXXX ) ( UPSTART NETWORK ) ( XXXX XXXX XXXX ) ( XXXX. XXXX XXXX ) ( XXXX. XXXX XXXX ) ( XXXX XXXX XXXX ( XXXX XXXX ) ( NJ XXXX XXXX ) XXXX XXXX WEDS XXXX CRDSRVC INQUIRIES NAME XXXX XXXX XXXX XXXX XXXX A P XXXX NA CAPITAL XXXX AUTO XXXX APPLIANCES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UPSTART NETWORK XXXX XXXX XXXX XXXX XXXX FACTUAL DATA XXXX F U REGIONS BANK ACCOUNT NUMBER XXXX XXXX XX/XX/XXXX PRICE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX L XXXX XXXX XXXX XXXX XXXX XXXX XXXX X X XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DATE XX/XX/XXXX XX/XX/XXXX XXXX XXXX / XXXX XXXX / XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX / XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX / XXXX XXXX / XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX / XXXX XXXX / XXXX XXXX XXXX XXXX XXXX NC SETTLEMENT O SYNCB SYNCB/PAYPAL TRANSUNION WE BANK NA XXXX XXXX ( Fraudulent Name ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Fraudulent address XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX HUNTERS HORN XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX, GA NOTICE TO AGENT XXXX Thus XXXX if you are reporting this fraudulent XXXX on any of your sites and affiliated site EXPERIAN/TRANSUNION/EQUIFAX INNOVICE XXXX XXXX then XXXX XXXX must immediately inform them this ALLEGED debt is in dispute. Reporting information that you know to be inaccurate or failing to report information correctly violates the FCRA XXXX. theyve received the paperwork from the XXXX XXXX Department about the fraudulent accounts. The fraudulent inquiries that are on my consumer reports theyve continued to report them they have not verified orvalidated they have not shown me any consumer contracts, ledgers, or payments of anything of any sort they have not did a ( clear, conspicuous investigation ) into any of the allegations of the alleged debt Experian/Transunion/Equifax are XXXX VIOLATION XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX code XXXX Responsibilities XXXX furnishers of information to consumer reporting agencies. XXXX XXXX code XXXX ( XXXX ) ( XXXX ), XXXX XXXX code XXXX ( XXXX ) ( XXXX ), XXXX XXXX code XXXX - procedure in case of disputed accuracy, XXXX XXXX code XXXX - Permissible purposes of consumer report. XXXX. XXXX Social Security number privacy and identity Theft XXXX XXXX of XXXX. Section XXXX of XXXX XXXX XXXX. Gramm-leach-Bliley XXXX XXXX XXXX XXXX A XXXX ( XXXX ) ( A ) ( a ) REINVESTIGATIONS OF DISPUTED INFORMATION ( XXXX ) REINVESTIGATION REQUIRED ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before end of the XXXX period beginning on the date on which the agencyreceives the notice of the dispute from the consumer or reseller. I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. I sent a letter to XXXX XXXX EQUIFAX XXXX XXXX XX/XX/XXXX and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix nothing. There are breaking Federal law According to XXXX XXXX XXXX ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. " So I then asked them to provide me a description of the investigation according to XXXX XXXX XXXX ( XXXX ) : ( XXXX ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( XXXX ) ( B ) ( XXXX ) by not later than 15 days after receiving a request from the consumer for that description. But they did not do that as well either. They are also breaking these laws as well below XXXX XXXX XXXX ( b ) : Unauthorized communication with third parties about my debt. XXXX XXXX XXXX XXXX : Failure to correct and update inaccurate information in my consumer reports. XXXX XXXX XXXX XXXX ( XXXX ) ( XXXX ) : Misuse or misrepresentation of definitions and rules related to consumer reporting. XXXX XXXX XXXX XXXX ( XXXX ) ( XXXX ) : Further misuse or misrepresentation of definitions and rules related to consumer reporting. XXXX XXXX XXXX XXXX : Inadequate procedures for disputing the accuracy of my consumer reports. XXXX XXXX XXXX XXXX : Unauthorized access or use of my consumer reports for impermissible purposes. XXXX. XXXX Social Security Number Privacy and Identity Theft Prevention Act of XXXX : Unauthorized use or disclosure of my Social Security numbers. Section XXXX of the XXXX PATRIOT Act : Failure to verify my identification by financial institutions. Gramm-Leach-Bliley Act, Section XXXX : Failure to ensure the security and confidentiality of my personal and financial information. Gramm-Leach-Bliley Act, Section XXXX : Unauthorized sharing of my non-public personal information with non-affiliated third parties. XXXX XXXX XXXX, Section XXXX : Non-compliance with federal regulations designed to enforce the act, thereby putting my personal and financial information at risk ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ) ( REGIONS BANK ) ( XXXX XXXX DEALER ) ( STATE OF NJ XXXX )- ( XXXX APPLIANCES ) ( _LENDINGPOINT ) ( XXXX XXXX L XXXX XXXX ) ( UPSTART NETWORK ) ( XXXX XXXX SOLUTION ) XXXX XXXX. XXXX XXXX ) ( XXXX. XXXX XXXX ) ( XXXX XXXX XXXX ( XXXX XXXX ) ( NJ XXXX XXXX ) XXXX XXXX WEDS XXXX CRDSRVC INQUIRIES NAME XXXX XXXX XXXX XXXX XXXX A P XXXX NA CAPITAL XXXX AUTO XXXX APPLIANCES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UPSTART NETWORK XXXX XXXX XXXX XXXX XXXX FACTUAL DATA XXXX F U REGIONS BANK ACCOUNT NUMBER XXXX XXXX XX/XX/XXXX PRICE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX L XXXX XXXX XXXX XXXX XXXX XXXX XXXX X X XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DATE XX/XX/XXXX XX/XX/XXXX XXXX XXXX / XXXX XXXX / XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX / XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX / XXXX XXXX / XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX / XXXX XXXX / XXXX XXXX XXXX XXXX XXXX NC SETTLEMENT O SYNCB SYNCB/PAYPAL TRANSUNION WE BANK NA XXXX XXXX ( Fraudulent Name ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Fraudulent address XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX HUNTERS HORN XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX, GA XXXX, which XXXX have XXXX by aggravated identity theft in accordance XXXX XXXX U.S.C XXXX. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX the XXXX FTC XXXX Federal Trade Commission for XXXX XXXX XXXX and XXXX. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter XXXX be tendered as evidence of failure to comply.. You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Attorney General 's office and civil claims XXXX be XXXX XXXX Code XXXX XXXX Block of information Resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) NOTIFICATION A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) - ( XXXX ) that the information XXXX be a result of identity theft ; ( XXXX ) that an identity theft report has been filed ; ( XXXX ) that a block has been requested under this section ; XXXX XXXX Code XXXX - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( XXXX ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, theagency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. XXXX Collector name is also in violation of XXXX XXXX XXXX for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX TRANSUNION/EQUIFAX XXXX this XXXX to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with XXXX U.S.C XXXX. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX EQUIFAX XXXX for ALL OF THE ACCOUNTS REPORTED IN THIS COMPLAINT ( date ) with account number ( account # ). Failure to remove account in 15 days from my consumer report as requested will result in legal matters being taken and me turning you XXXX XXXX XXXX DATA SOLUTIONS EQUIFAX XXXX the ( FTC ) Federal Trade Commission for aggravaled identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter XXXX be tendered as evidence of failure to comply ( XXXX XXXX XXXX - Block of information resulting from identity theft NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT ( XXXX XXXX EQUIFAX XXXX XXXX REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( XXXX ) XXXX U.S.C XXXX. ( XXXX Collector name is also in violation of XXXX XXXX XXXX for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX TRANSUNION/EQUIFAX XXXX this XXXX to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with XXXX U.S.C XXXX A ( copy of the : consumer credit contract is not sufficient to validate the debt. ) ( Validation requires- presentment of the account and ( general ledger statement signed and dated by the party XXXX for maintaining the account. XXXX Concrete F.C.U v. XXXX, XXXX XXXX. XXXX, XXXX P. XXXX XXXX ( XXXX ), XXXX Hawaii, XXXX v. XXXX XXXX XXXX XXXX, XXXX Hawaii XXXX, ( Hawaii XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ( XXXX XXXX ), and Town of XXXX XXXX XXXX Shores XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Conn.l ( XXXX ). and XXXX v. Godbole, XXXX XXXX. App. XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX ( XXXX. XXXX ). XXXX XXXX ~ Request for accounting F.R.C.P. ( F.R.E. ) XXXX XXXX XXXX XXXX ( a ) ( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. My Full Legal Name : First & Last Name XXXX. My Address : Address, City, State Zip Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these utdated ddresses and update the address with the XXXX above. My only Phone number is ( xxx ) xxx-xxxx Delete any and all other phone numbers. i demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Ive sent paper work and complaints from the XXXX XXXX Department ( BBB ) ( CALIFORNIA XXXX ATTORNEY GENERAL COMPLAINT ) CALIFORNIA XXXX XXXX AND INNOVATION ) ( FTC COMPLAINT ) ALONG WITH -CEASE AND DESISTS ORDERS -AND ( AFFIDAVITS OF TRUTH ) -SIGN AND NOTORIZED TO - XXXX XXXX EQUIFAX XXXX DATA SOLUTIONS XXXX XXXX ( XXXX XXXX a ( d\ ( XXXX ] ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report XXXX NOT XXXX on the consumer reports. Yet XXXX XXXX EQUIFAX XXXX DATA SOLUTIONS XXXX XXXX XXXX DATA SOLUTIONS XXXX XXXX IS reporting this information.. The reporting of excluded information pursuant to XXXX XXXX a ( d ) ( XXXX ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form XXXX Cancellation XXXX Debt. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE AGENT -EXPERIAN XXXX EQUIFAX XXXX DATA SOLUTIONS XXXX XXXX DATA SOLUTIONS -LEXISNEXIS

Company response to consumer: Closed with non-monetary relief