EQUIFAX, INC.

Critical Legal Notification Immediate Response Required to Avoid Legal Action Case Reference: YKL-2026-384028-294 Notice of Unresolved Account This formal notice addresses your outstanding account, which remains unsettled despite numerous prior attempts to reach you. Account Information Original Creditor: Cash Advance Inc. & Affiliated Entities Assigned Agency: First Point Resolution Services License: FDCPA-2026-8562-54 State ID: CCL-9275927 Contact History: Multiple attempts over 6+ months (unanswered) Total Outstanding Balance: $2,854.00 (USD) Settlement Offer: $997.45(65% Reduced) Payment plans also available upon request Days Delinquent: 120+ days Legal Consequences of Non-Response This matter is now critical under the following regulations: 15 USC §1692e(2)(A) – Misrepresentation of debt UCC §3-501 – Dishonor of negotiable instruments Commercial Code §7.2 – Enforcement provisions Failure to Respond Before 5:00 PM Tomorrow Will Trigger: Reporting to credit bureaus (Experian, Equifax, TransUnion) Freezing of associated account debits Referral to legal department for potential litigation Additional collection fees ($2870 minimum) Possible wage garnishment proceedings Note: Non-response will be deemed intentional disregard, authorizing pursuit of all legal remedies without further notice. Steps to Prevent Escalation To avoid immediate legal action, you must: Reply to this notice via email promptly Provide written intent to resolve this matter Submit financial disclosure for hardship consideration, if applicable Failure to act by the deadline will lead to automatic legal escalation. Response Requirements Get in touch with our Restitution Department to resolve this at: [email protected] Your response must include: Full name and cas [BBB Scam Type: Debt Collections] [Business: First Point Resolution Services Date] [Location: AZ, USA- 85029]

Critical Legal Notification Immediate Response Required to Avoid Legal Action Case Reference: YKL-2026-384028-294 Notice of Unresolved Account This formal notice addresses your outstanding account, which remains unsettled despite numerous prior attempts to reach you. Account Information Original Creditor: Cash Advance Inc. & Affiliated Entities Assigned Agency: First Point Resolution Services License: FDCPA-2026-8562-54 State ID: CCL-9275927 Contact History: Multiple attempts over 6+ months (unanswered) Total Outstanding Balance: $2,854.00 (USD) Settlement Offer: $997.45(65% Reduced) Payment plans also available upon request Days Delinquent: 120+ days Legal Consequences of Non-Response This matter is now critical under the following regulations: 15 USC §1692e(2)(A) – Misrepresentation of debt UCC §3-501 – Dishonor of negotiable instruments Commercial Code §7.2 – Enforcement provisions Failure to Respond Before 5:00 PM Tomorrow Will Trigger: Reporting to credit bureaus (Experian, Equifax, TransUnion) Freezing of associated account debits Referral to legal department for potential litigation Additional collection fees ($2870 minimum) Possible wage garnishment proceedings Note: Non-response will be deemed intentional disregard, authorizing pursuit of all legal remedies without further notice. Steps to Prevent Escalation To avoid immediate legal action, you must: Reply to this notice via email promptly Provide written intent to resolve this matter Submit financial disclosure for hardship consideration, if applicable Failure to act by the deadline will lead to automatic legal escalation. Response Requirements Get in touch with our Restitution Department to resolve this at: [email protected] Your response must include: Full name and c [BBB Scam Type: Debt Collections] [Business: First Point Resolution Services Date] [Location: OR, USA- 97404]

This formal notice addresses your outstanding account, which remains unsettled despite numerous prior attempts to reach you. Account Information Original Creditor: Cash Advance Inc. & Affiliated Entities Assigned Agency: First Point Resolution Services License: FDCPA-2026-8562-54 State ID: CCL-9275927 Contact History: Multiple attempts over 6+ months (unanswered) Total Outstanding Balance: $2,854.00 (USD) Settlement Offer: $997.45(65% Reduced) Payment plans also available upon request Days Delinquent: 120+ days Legal Consequences of Non-Response This matter is now critical under the following regulations: 15 USC §1692e(2)(A) – Misrepresentation of debt UCC §3-501 – Dishonor of negotiable instruments Commercial Code §7.2 – Enforcement provisions Failure to Respond Before 5:00 PM Tomorrow Will Trigger: Reporting to credit bureaus (Experian, Equifax, TransUnion) Freezing of associated account debits Referral to legal department for potential litigation Additional collection fees ($2870 minimum) Possible wage garnishment proceedings Note: Non-response will be deemed intentional disregard, authorizing pursuit of all legal remedies without further notice. Steps to Prevent Escalation To avoid immediate legal action, you must: Reply to this notice via email promptly Provide written intent to resolve this matter Submit financial disclosure for hardship consideration, if applicable Failure to act by the deadline will lead to automatic legal escalation. Response Requirements Get in touch with our Restitution Department to resolve this at: [email protected] Your response must include: Full name and case reference number , Statement of intent regarding this debt and Contact telephone number Important: Reply to all recipients, including your ca [BBB Scam Type: Debt Collections] [Business: First Point Resolution Services Date] [Location: WI, USA- 53718]

I am wanting everyone to please be caution of any monitoring alert regarding your credit. My scammers, C**** & G******** B***** of the Shiny Hunters have cloned my account and have been sending our fake monitoring alerts on businesses that I have done business with and I have paid off. This is harassment and they are wanting to destroy my financiers continuously. They will attack your financiers to enrich themselves not caring that the account was still opened when I accessed to learn about the alerts! Before they attack our finances, we were doing great. I went from a 749 to a 431. They continue to gray out good credit, abstracting our payments from paid off accounts making them due again adding them to our credit leaving us to fix the mess they made. They also, attack these businesses, through the credit bureau. For instance, when we request a copy of our credit report, they don’t come from the bureaus, they come from the B******. The Equifax in 2017 it is my belief they were responsible because I had fake Equifax reports. They are using my credit and now as I stated before, they caused the Trans union data breach. I received one of the data breach letters with pushed fonts and different names of fonts on the letter,. Everyone G********, C**** B***** Sr are dangerous people. They have caused the Snap attacks in the media and they have caused the Toll scams and the DMV scam. I receive text messages with; multiple text messages with at least 11 people in a group text and spoofing numbers.. please be careful of these two as they are being investigated .css-c8hvdp{--Grid-columns:12;-webkit-flex-direction:row;-ms-flex-direction:row;flex-direction:row;min-width:0;box-sizing:border-box;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-box-flex-wrap:wrap;-webkit-flex-wrap:wrap;-ms-flex-wrap:wrap;flex-wrap:w [BBB Scam Type: Identity Theft] [Business: Experian- Imposter] [Location: TX, USA- 77423]

Creditor: Cash Advance Inc. & Affiliated Entities Assigned Agency: First Point Resolution Services License: FDCPA-2026-8562-54 State ID: CCL-9275927 Contact History: Multiple attempts over 6+ months (unanswered) Total Outstanding Balance: $2,854.00 (USD) Settlement Offer: $997.45(65% Reduced) Payment plans also available upon request Days Delinquent: 120+ days Legal Consequences of Non-Response This matter is now critical under the following regulations: 15 USC §1692e(2)(A) – Misrepresentation of debt UCC §3-501 – Dishonor of negotiable instruments Commercial Code §7.2 – Enforcement provisions Failure to Respond Before 5:00 PM Tomorrow Will Trigger: Reporting to credit bureaus (Experian, Equifax, TransUnion) Freezing of associated account debits Referral to legal department for potential litigation Additional collection fees ($2870 minimum) Possible wage garnishment proceedings Note: Non-response will be deemed intentional disregard, authorizing pursuit of all legal remedies without further notice. Steps to Prevent Escalation To avoid immediate legal action, you must: Reply to this notice via email promptly Provide written intent to resolve this matter Submit financial disclosure for hardship consideration, if applicable Failure to act by the deadline will lead to automatic legal escalation. Response Requirements Get in touch with our Restitution Department to resolve this at: ************************************* Your response must include: Full name and case reference number , Statement of intent regarding this debt and Contact telephone number Important: Reply to all recipients, including your case manager. On mobile, tap "Reply" then "Reply All." On desktop, select "Reply All" from the dropdown. .css-c8hvdp{--Grid-columns:12;-webkit-flex-direction:row;-ms-flex-direction:row;flex-direction:row;min-wi [BBB Scam Type: Debt Collections] [Business: First Point Resolution Services Date] [Location: FL, USA- 32097]

I keep receiving calls that leave the following voicemail: “Good afternoon this is Daniel Morales from underwriting at patriot capital group this is a time sensitive update regarding your 2026 spring financial reset review based on updated bureau data from Trans Union and Equifax you've been prequalified for hardship relief funds up to $48,600these approvals were released as part of our seasonal review window and your file is currently flagged foreclosure at 5 PM today before underwriting finalize the report we need to confirm your eligibility and make your payments around $430 per month still work for you call now to keep your file active at 833-348-1279 again that number is 833-348-1279…” @media (min-width:768px){ [BBB Scam Type: Advance Fee Loan] [Business: Patriot Capital Group] [Location: AR, USA- 72205]

Invoice from Talk With Lead - Talk-42117-CY **We just tried to process your current past amount due of $19.98 for (Billing Plans) WEBSITE LEAD GENERATION outstanding $338.99, but there is no credit card on file for this subscription. To continue your service without interruption, update the credit card on file right now. Please use the following link to quickly and easily PAY THIS INVOICE HERE What's next? You still have your account. You may still use our services for the next several days. If you wish to cancel your account: Go to TalkWithLead.com Log in with your email (click “Forgot Password” if needed) Click the “Cancel Account” button at the top right Once your account is cancelled, you will stop receiving payment declined email and SMS notifications. We understand that life can be unpredictable and financial situations can arise that make it difficult to make payments on time. We will do our best to work with you and come up with a solution that is mutually beneficial. Please know that the Credit Card Processing Bank is a member of Transunion and Equifax credit Bureau, and as per their policy, any non-payments will be reported to the Credit Bureau within 90 days. This may affect your credit rating and potentially hinder your ability to finance a home, obtain a loan, or secure a credit card in the future. We want to help you avoid any potential negative consequences and find a solution that works for you. Please don't hesitate to reach out to us so we can discuss your options. We strongly recommend that you address this issue promp .css-c8hvdp{--Grid-columns:12;-webkit-flex-direction:row;-ms-flex-direction:row;flex-direction:row;min-width:0;box-sizing:border-box;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-box-flex-wrap:wrap;-webkit-flex-wrap:wrap;-ms-flex-wrap:wrap;flex-wrap:wrap;ga [BBB Scam Type: Online Purchase] [Business: Talk with lead] [Location: AZ, USA- 85298]

In early 2025, I began receiving unsolicited emails from TransUnion. As a victim of identity theft, which my scammer and her regime caused, I had to contact Tranunion which the actual number TransUnion phone number was forwarded to my scammers. As I decided to write TransUnion through the USPS mail requesting an accurate copy of my credit report, to my surprise, the report was fa fraud, My scammer, through informed delivery, sent me a destroy of my credit report which shown the attacks on my credit. Further, it shown different fonts, some shown 12 inch veranda, at 8 inch font, some writings were smaller. Also, the letter shown copy TransUnion wording, on top along with the misspelled letters, and words not being aligned. I also received Experian and Equifax Reports. To innocent people, it has been widely observed that Genevieve, and Craig ****** are scammers. They caused the TransUnion data breach impersonating The Shiny Hunters, and today although their data breach, they are still in their server today illegal, I am commissioning that all innocent people to pull their credit and view for accuracy. As for my family and me, we continue to re do ed fake TransUnion fake letters and still have them for the investigation of the FBI. Please be carful as Craig and Genevieve are highly criminals looking to enrich themselves, as they did with other data breaches. Also, watch your bank account. ShellFCU in 2025 experienced ROBLOX secret accounts of innocent customer was paying for until I set an appointment with the branch Vice President. Today, Genevieve and her regime continue to live and watch every transaction that go to and the bank. Today I barely keep money in the account due to their constant sitting in their server and so far taken $5,500 from my credit card and continuously siphoning money under the noises of the branches hiding behind scripts and other attacks, They have declined my debi [BBB Scam Type: Phishing] [Business: TransUnion Ctedit Bureau- Imposter D] [Lo

We received this email.... We didn't respond. OVERDUE PAYMENT REMINDER - #2 Hello Williams Dental Lab, Invoice from Talk With Lead - Talk-43617-CY **We just tried to process your current past amount due of $9.99 for (Billing Plans) WEBSITE LEAD GENERATION outstanding $338.99, but there is no credit card on file for this subscription. To continue your service without interruption, update the credit card on file right now. Please use the following link to quickly and easily PAY THIS INVOICE HERE What's next? You still have your account. You may still use our services for the next several days. If you wish to cancel your account: 1. Go to TalkWithLead.com 2. Log in with your email [email protected] (click “Forgot Password” if needed) 3. Click the “Cancel Account” button at the top right Once your account is cancelled, you will stop receiving payment declined email and SMS notifications. We understand that life can be unpredictable and financial situations can arise that make it difficult to make payments on time. We will do our best to work with you and come up with a solution that is mutually beneficial. Please know that the Credit Card Processing Bank is a member of Transunion and Equifax credit Bureau, and as per their policy, any non-payments will be reported to the Credit Bureau within 90 days. This may affect your credit rating and potentially hinder your ability to finance a home, obtain a loan, or secure a credit card in the future. We want to help you avoid any potential negative consequences and find a solution that works for you. Please don't hesitate to reach out to us so we can discuss your options. We strongly recommend that you address this issue promptly. Thank you for choosing us! Talk With Lead Team Questions? Contact us at [BBB Scam Type: Phishing] [Business: Talk With Lead] [Location: CA, USA- 95020]

Trying to unfreeze my Transunion in order to get a loan, I called the 1-800-916-8800 number and a voice identified as "Jessica" from Transunion asked for my SSN# (as did Equifax and Experian), I gave it, but then she told me I had qualified for an emergency alert necklace, which I thought was strange, then they hung up. I tried the number again and it went through. PLEASE HELP! [BBB Scam Type: Phishing] [Business: Transunion Impostor] [Location: WV, USA- 26836]