Consumer complaint received 2021-06-13
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Credit Bureau Dispute Letter/Affidavit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX Email : XXXX XX/XX/XXXX I have made several attempts to address the inaccurate, outdated information, charge offs written off, fraudulent. I have discovered accounts with several errors which is adversely affecting my credit unfavorably. These accounts need to be investigated and removed immediately. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my names be remove and any other names, addresses and telephone numbers that Company Account Number Account Status Payment Status XXXX XXXX # XXXX # XXXX COLLECTION Third-Party Collection Agency unable to validate debt. 
XXXX XXXX/XXXX  # XXXX COLLECTION Third-Party Collection Agency unable to validate debt. 
XXXX XXXX/XXXX # XXXX COLLECTION Third-Party Collection Agency unable to validate debt. HIPPA LAW VIOLATION XXXX XXXX XXXX XXXX # XXXX ACCOUNT CLOSED AT CREDIT GRANTORS REQUEST ACCOUNT CHARED OFF AND WRITTEN OFF. BALANCE {$0.00} XXXX XXXX XXXX # XXXX ACCOUNT CLOSED AT CREDIT GRANTORS REQUEST ACOOUNT CHARED OFF AND WRITTEN OFF. BALANCE {$0.00} XXXX XXXX XXXX XXXX # XXXX Collection Third-Party Collection Agency unable to validate debt. HIPPA LAW VIOLATION THE BUREAUS # XXXX # XXXX Additionally, I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to release my medical information to a third party XXXX XXXX XXXX # XXXX. I am aware that HIPPA does allow for limited information about me but anything more than to only be revealed with the patients authorization, therefore my request is twofold and as follows, Validation of Debt, and HIPPA authorization. 1.Please provide breakdown of fees including any collection costs and medical charges 2. Provide a copy of my signature with the provider of service to release my medical Information to you.

I have a copy of my Drivers Licenses and Social Security Card for verification purposes. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. 
Please Delete all names that do not belong to me : XXXX XXXX XXXX XXXX XXXX Please Delete all PHONE NUMBER : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation