Consumer complaint received 2022-12-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX  accounts, have violated my rights. 
This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { XXXX }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major Credit Bureaus { XXXX, Equifax or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. 
This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. 
If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the XXXX major credit reporting bureaus : Equifax, XXXX and XXXX } request shall be sent to me immediately. 
I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by XXXX. 
It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. 



The following personal information is incorrect Account XXXX : XXXX : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX. XXXX XXXX Code XXXX - Permissible purposes of consumer reports XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 5. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX1 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 6. 15 U.SXXXX Code 1681b - Permissible purposes of consumer reports XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 7. 15 U.S. Code 1605 - Determination of finance charge XXXX  XXXX Account Number : XXXX  The finance charge shall not include fees and amounts imposed by third party closing agents ( Including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. 
8. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX XXXX XXXX Account Number XXXX XXXX  15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 9. 15 U.S. Code 1605 - Determination of finance charge XXXX XXXX Account Number : XXXX  The finance charge shall not include fees and amounts imposed by third party closing agents ( Including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. 
10. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 11. I Was Never Late on this account XXXX XXXX  Account Number : XXXX  15 U. S. C 1666b Please delete this alleged late payment from my credit report or show me supporting documents that show me supporting documentation that shows proof I was late. If you can not delete these alleged lates payment from my credit report. 
XXXX. I Was Never Late on this account XXXX XXXX XXXX XXXX  Account Number : XXXX 15 U.S.C 1666B : A Creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose 13. I Was Never Late on this account XXXX  Account Number : XXXX 15 U.S.C 1666B : A Creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose In addition, please remove all non-account holding inquries over 30 days old. Also, please add a promotional suppression to my credit file. 
Under federal law, you have XXXX ( XXXX ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the completion of your re-investigation. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX To Whom It XXXX Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, XXXX XXXX ( a ) ( XXXX ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : XXXX. The following personal information is incorrect Account XXXX : XXXX : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX CA XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX. XXXX XXXX Code XXXX - Permissible purposes of consumer reports XXXX  Date of inquiry : XX/XX/XXXX XXXX U.S.C XXXX section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX. XXXX XXXX Code XXXX - Permissible purposes of consumer reports CREDIT XXXX BANK NA Date of inquiry : XX/XX/XXXX XXXX U.S.C XXXX section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX. XXXX XXXX Code XXXX - Determination of finance charge XXXX XXXX Account Number XXXX XXXX  The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. 
XXXX. XXXX XXXX Code XXXX - Permissible purposes of consumer reports XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX. XXXX XXXX Code XXXX - Determination of finance charge XXXX XXXX Account Number : XXXX The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. 
XXXX. XXXX XXXX Code XXXX - Permissible purposes of consumer reports XXXX XXXXXXXX XXXX Account Number : XXXX XXXX U.S.C XXXX section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX. I Was Never Late on this account XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Please delete this alleged late payment from my credit report or show me supporting documents that show me supporting documentation that shows proof I was late. If you can not, you delete these alleged lates payment from my credit report. 
XXXX. I Was Never Late on this account XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX U.S.C XXXX : A Creditor XXXX not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose XXXX. I Was Never Late on this account XXXX  Account Number : XXXX XXXX U.S.C XXXX : A Creditor XXXX not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose XXXX. I Was Never Late on this account XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Please delete this alleged late payment from my credit report or show me supporting documents that show me supporting documentation that shows proof I was late. If you can not, you must delete these alleged late payments from my credit report. 
In addition, please remove all non-account holding inquries over 30 days old. Also, please add a promotional suppression to my credit file. 
Under federal law, you have XXXX ( XXXX ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the completion of your re-investigation. 
Thank you,

Company response to consumer: Closed with explanation