Consumer complaint received 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Notice : UNDER UCC SECTION 3-401CAJ IF THE PARTY DOES NOT SIGN, THE PARTY CAN NOT BE HELD LIABLE. Meaning this contract has been a one sided agreement which I was never disclosed a signature by an authorized party. 
Please notice that this is a request for VALIDATION and PROOF OF CLAIM made pursuant to the Fair Debt Collection Practices Act and Fair Credit Billing Act. I respectfully request that your offices provide me with competent evidence as per Declaration and Proof of Claim that I have any legal obligation to pay the unsubstantiated alleged debt. 
At this time please be informed that if your offices have reported non-validated information to any of the 3 major Credit Bureaus, such as, Equifax, XXXX and XXXX prior to validation and proof of claim of the alleged debt, this action could constitute fraud under both Federal and State Laws. 

Pursuant to 15 U.S.C. 1692g, I am requesting the Method of Verification for the following disputed account ( s ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Notice : I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay. 

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository thatcould be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 

Notice : Make available for visual inspection my original wet ink promissory note ( not a photocopy ) Notice : without the requested information there can be no verification of the fact or the claim. 
To ensure the validity of the account ( s ), please provide the following items : 1. The name of the original creditor. 
2. The creditor 's address and telephone number. 
3. The name, email, and phone number of the person with whom the dispute was verified. 
4. The documentation used to verify the dispute, including the name of the source and type of item ( e.g., credit account, judgment, proof of recorded call ( s ) ). 
5. Forensic Audit If you are unable to provide these items in a timely manner, please delete the account ( s ) from my credit report to prevent further damage as you are legally responsible for terminating the claim and correcting any negative credit reporting associated with this alleged debt required by the Fair Debt Collection Practices Act. 
Notice, it is a fact, affiant is aware, whoever willingly and knowingly gives, false, inaccurate or fails to provide information which is required to disclose, or fails to comply with any requirement under the consumer credit protection title will be held to criminal liability pursuant to 15 U.S. Code 1611 with fines up to {$5000.00}, one year imprisonment or both. 
Notice : IF THIS NOTICE REMAINS UNREBUTTED WITHIN 30 DAYS OF RECEIPT IT BECOMES ACCEPTED. Your offices have thirty ( 30 ) days to produce the required documentation in accordance with FTC guidelines.

Company response to consumer: Closed with explanation