Consumer complaint received 2024-02-17 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: MD

Complaint narrative:
To whom this may concern I have not given written consent to furnish the multiple fraudulent debt to my report according 15 usc 1581 bXXXX I have not given explicit written consent to furnish a debt collection from resurgent that I have no knowledge of and a medical debt FROM XXXX XXXX which is a violation of HIPAA, this is a notice of arbitration. This is my final request on equitable subrogation, with a third party as witness a charge off under XXXX XXXX MEANS the account is discharged which is XXXX $ and how can a closed charge off still be open that is fraud. 18 usc 35 According to law willingly furnishing false information is fraud! Date of delinquency and date of account can not be interchanged, if you are a dollar off of the correct amount that is misinformation.15 usc 1679 ( c ) The law requires companies to delete disputed unverified debt, I have not received any documentation on HOW they validated these debts. I am requesting a full itemized list the true bill and the original contract so that I can understand the charges and how they came to this point, just because a company has my name and information does not mean the information to be valid! I need tangible evidence other than them saying " we have contacted the company and verified the information ''. I have not been provided any documentation to validate any of these fraudulent debts the original contract, a written form of consent of me given permission to purchase my debt and my private information like my name which is under common law copyright, my birthdate and my ssn, violating the privacy act. You can not purchase my name social and birthdate that is the only way they would be able to validate the debt which is fraud! I want every company held responsible that has violated my rights. I have tried to handle this through disputes but I am left no choice. I will be sending a bill of particulars for each infraction to Equifax and XXXX  credit report looks nothing like my XXXX! ALL CREDIT REPORTS SHOULD REFLECT THE OTHER, another infraction regardless what your terms of service may say it is law that my credit reports reflect the same information which means you have furnished false information deliberately after disputing the information and not providing any proof of claim but to continuously furnish a disputed claim. 15 usc 1681 ( i ) IT IS THE LAW YOU CAN NOT UPDATE FALSE INFORMATION! ANOTHER VIOLATION. I AM NOT ASKING TO UPDATE ANY INFORMATION IM ASKING YOU TO FOLLOW THE LAW AND REMOVE THE FALSE AND DEROGATORY REMARK! THIS IS SUBROGATION I AM REQUESTING ALL FALSE INFORMATION I HAVE DISPUTED IN THE PAST 3-4 MONTHS BE REINVESTIGATED AND REMOVED EXPEDITIOUSLY, I WILL BE FORCED TO MOVE FORWARD WITH Arbitration / MEDIATION AND LISTING EVERY VIOLATION YOU HAVE Accumulated, FURNISHING A CONSUMERS DEBT WITHOUT PROPERLY VALIDATING THE INFORMATION VIOLATION OF fcra, FDCPA, GRAM LEECH BLILEY ACT, privacy act, CPA, DOCTRINE OF SILENCE, AND HIPAA. I NEED A COPY OF MY up to date CREDIT REPORT AND A COPY OF ANY RELEVANT INFORMATION THAT WAS PROCURED TO verify/VALIDATE ANY false INFORMATION DURING these DISPUTES.

Company response to consumer: Closed with explanation