Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #9043052
Complaint Overview
Complaint ID: 9043052
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Received unsolicited financial product or insurance offers after opting out
State: Michigan
ZIP Code: 48235
Date Received: 2024-05-18T12:00:00-05:00
Date Sent to Company: 2024-05-18T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX, XXXX ( XXXX ) claims to have investigated the complaints and verified the PRA accounts ending in XXXX and XXXX, the accuracy of the information they furnished regarding the accounts. But have failed to provide my any documentation proving so. No original contract no purchase agreement not a single document providing the have the legal right to collect this debt. My contact Information regarding this debt was obtained illegally as a form of aggravated I identity theft. PRA confessed Business records provided to PRA by XXXX XXXX at the time of our purchase verify that the account was opened on XX/XX/XXXX, for XXXX XXXX whose social security number ends in XXXX. I never gave XXXX XXXXXXXX permission to give any information to this company. I never gave PRA permission to request my information in any compacity per 18 U.S. Code 1028A - Aggravated identity theft. ( a ) Offenses. ( 1 ) In general. Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. ( 2 ) XXXXXXXX offense. Whoever, during and in relation to any felony violation enumerated in section 2332b ( g ) ( 5 ) ( B ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person or a false identification document shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 5 years. I never gave this company person to contact me or furnish data on my behalf. I have never even been contacted to dispute the collection of this debt PRA claims to have sent its initial notification letter to our customer on or about XX/XX/XXXX, XXXX but I received no record of this no tracking number no documentation at all presented. I have never received any thing due this company XX/XX/XXXX. Please provide documentation proving this initial communication has been sent and received XX/XX/XXXX XXXX. PRA confessed to another crime .. we purchased the accounts and obligations XXXX XXXX XXXX XXXX had with XXXX XXXX to pay the balance due, no other contract between XXXX XXXX XXXX XXXX and PRA is required to validate the accounts. That is a violation of contract Law!! If there is an alleged contract between both parties A ( XXXX XXXXXXXX ) and B ( XXXX XXXXXXXX ) .. XXXX XXXX has not lawful right to sell that contract with out first obtaining written consent and per mission to do so which I have never provided. PRA must provide A bilateral contract. Which is is an agreement that binds two or more parties legally on pre-decided terms and conditions.. signed and dated with all three parties to PROVE they have legal right to collect this debt. 31 U.S. Code 3718 - Contracts for collection services. this company has been illegally conspiring with XXXX XXXXXXXX in an attempt to force Me to pay them a debt I do not owe. This account was formed illegally! I demand it be XXXX out and removed immediately!
Frequently Asked Questions
What is Complaint #9043052 about?
Complaint #9043052 was filed against Equifax, INC. regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2024-05-18T12:00:00-05:00.
How did Equifax, INC. respond to this complaint?
The company responded with: "Closed with non-monetary relief". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Equifax, INC.?
Yes, visit the Equifax, INC. company profile at readthecomplaint.com/company/equifax-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.