Consumer complaint received 2018-10-10
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
in XXXX of XXXX I disputed an account with all three credit bureaus. XXXX, XXXX, and Equifax. The account I disputed with all 3 credit bureaus is XXXX XXXX XXXX, /XXXX of XXXX XXXX XXXX Well in XX/XX/XXXX all three credit bureaus responded back saying the account was verified and accurate. ok well in XXXX I contacted the original creditor which is XXXX XXXX XXXX, / XXXX XXXX XXXX. well in XX/XX/XXXX XXXX XXXX XXXX responded to me in writing informing me that they sold the account to a outside agency. The outside agency which is XXXX XXXX XXXX XXXX. I have enclosed the letter from the original creditor stating that they sold the account on XX/XX/XXXX, XXXX and that I needed to contact the owners of the account which is XXXX XXXX. See Attachment of the letter from XXXX XXXX XXXX Well on XX/XX/XXXX I sent a certified letter to XXXX XXXX XXXX by mail. enclosed is a copy of the letter I sent to XXXX XXXX XXXX and I have also enclosed copies of the Certified mail receipt showing that XXXX XXXX received the letter. Well today is XXXX, XXXX, XXXX and XXXX failed to respond to me and my certified letter, This is a violation of my rights under the FCRA and 30 days has passed the company failed to respond to my debt validation letter. I am a consumer and I have all rights to send the furnisher a debt validation letter and they failed to respond and this is ground for deletion of the furnisher ... well on XXXX I filed a complaint with the XXXX and I filed a complaint with the CONSUMER FINANCIAL PROTECTION BUREAU on this company XXXX XXXX XXXX for there non compliance and the violation of my rights under the FCRA and the federal and state laws.. well on XX/XX/XXXX XXXX XXXX XXXX responded to the XXXX and the consumer Financial Protection Bureau complaint stating in writing that they did in fact purchase the debt on XX/XX/XXXX from XXXX  XXXX XXXX XXXX XXXX XXXX stated in their response that the company was unable to provide the debt validation letter in which I requested from them in my certified letter to them on XX/XX/XXXX ... I am a consumer and I have all rights to request the debt validation letter from the furnisher. XXXX XXXX XXXX stated in writing that the account was closed at the agency level and placed in a status internally with a cease and desist note. meaning to stop purportedly illegal activity and to not restart it. XXXX XXXX XXXX stated in writing they are required to cease collection effort in this account due to the debt validation letter cant obtained and sent to me. this account showing from XXXX XXXX XXXX needs to be removed from all three of the credit bureau XXXX, Equifax and XXXX. I have enclosed a copy of XXXX XXXX XXXX Response from the Consumer Financial Protection Bureau. They stating that they have never furnished any information to the Credit Bureau. This is a big violation of the law and under the FCRA and I demand that this account with XXXX XXXX XXXX on the account XXXX XXXX XXXX, / XXXX XXXX XXXX be immediately removed from my credit Report or I will spend my money to go get a attorney and file a suit with XXXX,, XXXX and Equifax. I have enclosed the letter that was sent to the original creditor saying they sold the account and I have a copy of the letter that was sent to the buyer which is XXXX XXXX XXXX. this account bank of Missouri needs to be removed from now.. I have showed proof in writing from the CFPB with XXXX XXXX XXXX response to the complaint and they have cease and desist the account and that the account is closed with the company and will remain so in perpetuity. my right have been violated and I disputed the account with All three credit bureaus and all three credit reporting agency reported that the account was verified ; well I come to find out that this is a lie and I will take all of these letter to court and sue all three credit bureau if the account XXXX XXXX XXXX XXXX  XXXX XXXX isn't removed asap from my credit file. I have enclosed copies of all three Credit Bureau Credit reports showing that XXXX XXXX is showing on my credit reports from XXXX, XXXX  and Equifax, I demand this account be removed asap,,,

Company response to consumer: Closed with explanation