Consumer complaint received 2022-11-26
Company: EQUIFAX, INC.
State: IA
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: Investigation took more than 30 days

Complaint:
RE: Equifax Consumer Dispute Center 
XXXX XXXX XXXX XXXX XXXX XXXX
To Whom It May Concern:
This letter is a follow-up to my earlier communication about the following item(s) being reported on the credit file listed under my name and 
Social Security Number.
XXXX XXXX XXXX  Original Creditor XXXX XXXX XXXX XXXX XXXX - over 30 DAYS No response, No verifiable proof of debt under FTC and FCRA 
Guidelines
XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX  - over 30 DAYS No response, No verifiable proof of debt under FTC and FCRA Guidelines
I requested multiple times that you verify the accuracy of the information reported by this furnisher. You stated the account information was 
verified. I then specifically requested additional information about the Method of Verification furthermore, I have requested your method of 
verification and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611(a)(7). You were required to respond 
within days 30 with proof. You FAILED to do so in a timely and responsive manner and are in violation of federal regulations.
Per the Federal Credit Reporting Act. Section 609(a)(1)(a). you are required by Federal law to Verify- through physical verification of the original 
signed consumer contract and/or judgement(s)- all accounts and public information that you post on anyones credit report. Otherwise, anyone 
paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. As Such, this unauthorized public 
record information needs to be deleted. I have already filed a complaint with the Federal Trade commission and will follow with a Consumer 
Financial Protection Bureau Claim you failed to respond within 30 days verifiable proof and evidence thats satisfies Federal Trade Commission 
debt validation guidelines.
The FTC has noted that providing a copy of a printout, bill, or alleged account documents does not constitute validation. Mere itemization of 
what you already have does not accomplish my requested debt validation. Since you have failed to provide me with ALL the following points of 
information all collection attempts must stop and all information that pertains to Account Number: , Name, DOB , SSN must be deleted 
/IMMEDIATELY REMOVE : 1. Agreement with the original creditor that authorizes you to collect on this alleged debt and/or verification that this 
alleged debt was assigned or sold to you. 2. The agreement bearing my signature stating that I have agreed to assume the debt from original
creditor or, XXXX XXXX XXXX XXXX  Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the 
Statute of Limitations in (Iowa) has not expired 5. Complete payment history on this account along with an accounting of all additional charges 
being assessed 6. Proof that you are licensed to collect in my state; and 7. Your license numbers and Registered Agent or Agent of Service.
Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied 
agreement to compensate me for court costs and attorney fees.
Should you continue in your non-compliance, the law is very clear as to the civil liability and the remedy available to me for negligent noncompliance. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary 
damages under FCRA Sections 616 and 617. I notice that you are still reporting this collection on my credit report, which is considered to be a 
collection activity. You are now in violation of the FCPDA, and are now subject to fines of $1000, plus actual damages and attorneys fees.
Because you are in violation, this account must be removed from my credit file. Please send me an updated credit report with the information 
removed.

Company response to consumer: Closed with explanation