Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
( Dear XXXX XXXX XXXX XXXX To whom it may concern at XXXX and all affiliated agencies as a response to a recent notification regarding identity theft or fraudulent charges and continuous daily harassing phone calls Let the record show THAT ..... 
I do not wish for you to further investigate this dispute. and that i request a cease and desist of all further communication and reporting I only seek clarification concerning the charges and the validity of them and the authority in which you have to collect this alleged debt. 
I do not object to paying this alleged debt and will happy to do so once clarification and these questions I have are answered Could you please provide me with certified and notified copies of documents showing that this agency is allowed to conduct business in the State of Florida as a collection agency? 
Could you please provide a notorized copy of the bond on file with the state of Washington allowing your firm/corporation to operate as a collection agency?

Could you please provide a notorized copy of the assignment letter including production of the signatures and status showing your firm/corporation as holders in due course of the alleged claim?

Could you please provide the statutes and enforcing regulations, both Federal and State, which clearly and unequivocally allow for the collection of this alleged debt? 
Can you please provide your, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and any other associated party 's proof that your " Notice of Debt Collection '', is authorized by such statutes and enforcing regulations? 
Can you please provide proof of all relevant signatures and your status as holders in due course of this alleged claim? 
Can you please provide the name ( s ), address ( es ) and telephone number ( s ) of the bona fide creditor ( s ) pertaining to this alleged debt?

If you are acting as an agent, please provide certified copies of the registered claim upon which you are collecting, showing the names ( s ) of any and all debtors and the respective bona fide creditor ( s ) pertaining to this alleged debt?

Please provide proof that any actual " money '' was ever created or loaned to me by the named creditor ( s ) whom you claim to represent, and not mere bookkeeping entries that were made by them in an attempt to establish the alleged obligation of debt, and in which case, this entire matter would constitute fraud on their part, as well as now yours.

NOTICE : Contacting me again without first properly documenting that I have any obligation to you or your claimant pertaining to the above refrenced trust numbers, after Verifiable Receipt of this Notice of Conditional Acceptance, will establish and constitute that you deliberately intend to use interstate communications in a scheme of fraud by using further threats, intimidations, deceptions and or enticements to coerce me to commit some act creating a legal obligation and / or disability where none exists, previously or presently, as well as constituting that you and/or your firm knew or should have known that by such communications, what you have heretofore attempted to do was, and is, false and therefore unlawful. Moreover, until or unless you have fully satasified all of my demands and claims as stated herein and previously or presently as well as provided by numerous laws and regulations, both State and Federal, pertaining to this alleged claim, which the courts and/or others who rely upon such written communications may well judge such acts by you as deliberately intended to impair or damage my credit rating, my reputation, and my standing in the community as well as to intentionally inflict financial and emotional harm upon me, and assure you that you do so at your own peril and risk. 


You have ten ( 10 ) days from the receipt of this Conditional Acceptance to respond on a point-by-point basis, via sworn Affidavit, under your full commercial liability, signing under penalty of perjury, that the facts contained herein are true, correct and complete, and not misleading in any manner whatsoever. Declarations are an insufficient response, as declarations permit lying by omissions, which no honorable draft may contain. 

Your failure to accept my Conditional Offer of Settlement by producing each and every requested answer, record and/or documentation, or in the alternative, sending me written withdrawal of your claim, ( summary judgement ) will constitute your stipulation that I have no duty or obligation to any portion of the above aforementioned debt whatsoever, and that you have no right or basis to pursue any further collection, Please Be Advised that notice to any agent of the STATE or under courts regarding this Conditional Offer of Acceptance is considered Notice to any and all principals. Further, your failure to fully and completely respond on a point-by-point basis, as well as ANY ACTIVITY by you or your firm/corporation to secure payment with a `` Writ of Garnishment '', before responding to this Conditional Acceptance, shall be deemed as an Agreement with the facts as stated in the attached Affidavit and shall be further deemed an Automatic Dishonor of this Conditional Acceptance and agreement to the COURTS to the immediate payment of {$75000.00} USD, payable to : XXXX XXXX XXXX XXXX XXXXXXXX XXXX 
XXXX, FL XXXX as compensating damages. 



Signed from " without '' the " United States '' in accordance with 28 U.S.C., Sec. 1746 ( 1 ). All rights are reserved without prejudice, UCC1-308 and RCW 62A.1-207 I have disputed this unlawful debt ; therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ) and any other GOVERNMENTAL AGENCIES then, you must immediately inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act UCC 1681s-2. Should you pursue a judgement without validating the debt, I will inform the SECRETARY OF STATE AND ATTORNEY GENERAL and request the case be dismissed based on your failure to comply with the FDCPA and for reservation of rights. 






XXXX XXXX XXXX XXXX XXXXXXXX family last name Authorized Representative A Living woman XXXX Date

Company response to consumer: Closed with non-monetary relief