Consumer complaint received 2023-07-20
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I dispute to formally request a re-investigation of the inaccurate and false information that has been reported to Equifax by The CCS Companies ( " CCS '' ). 

Despite my previous attempts to address this matter, CCS has failed to acknowledge my requests and continues to assert that the information in question was previously investigated. I wish to emphasize that the newly updated information on my credit report has never undergone a proper re-investigation, and I am concerned about the negative impact it has on my creditworthiness. 

The inaccurate information in question pertains to an alleged insurance account with XXXX XXXX that has been reported to be in default status. I must clarify that I have never had any insurance account with XXXX IN, nor did I ever default on any such account. Therefore, CCS is not my Creditor and has no legitimate basis to collect on a debt that was supposedly transferred, purchased, or sold. CCS is inaccurately reporting a Collections to Equifax on my credit report that is false, inaccurate, and not true. 

Additionally, CCS has failed to provide any contract agreement bearing my signature and matching my full social security number, which is crucial for validating the validity of any past-due debt owed to XXXX IN. Without such documentation, CCS 's claims regarding the alleged debt remain unsubstantiated. 

I firmly believe that CCS 's actions violate several statutes under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). These violations include : 1. 15 U.S.C. 1681g - Failure to Provide Required Disclosures : CCS 's refusal to provide a contract agreement with my signature and full social security number contravenes the FCRA 's requirement to furnish proper disclosures upon request. 

2. FCRA Section 623 ( a ) ( 6 ) - Duty to Correct and Delete Inaccurate Information : The inaccurate information regarding the XXXX IN account, which has not been re-investigated, constitutes a failure to fulfill CCS 's duty to correct and delete erroneous data from my credit report.

3. 15 U.S.C. 1692g - Failure to Provide Debt Verification : CCS 's failure to furnish sufficient evidence of the alleged debt owed to XXXX IN violates the FDCPA 's mandate to provide debt verification upon consumer request. 

4. FDCPA Section 809 ( a ) - Failure to Validate Debt : CCS 's inability to provide validation of the debt undermines their compliance with the FDCPA 's requirement to validate debts in dispute. 

In light of the above violations and the significant negative impact on my credit history, I earnestly request that CCS conduct a thorough and independent re-investigation into the inaccurate account information they have reported to Equifax. I demand that you promptly remove the false Collections placed by CCS for an XXXX IN account from my credit report, update the account status and account type correctly, and provide written confirmation of these corrections. 

Furthermore, I insist that CCS furnishes me with written documentation of the re-investigation process, including any evidence gathered and steps taken to rectify the inaccuracies on my credit report. Additionally, I request that CCS provides me with a copy of the contract agreement they claim as the basis for the alleged debt owed to XXXX IN, with my full social security number clearly visible. 

I expect a timely response to this request, as failure to comply with my lawful rights may result in further legal action. Please acknowledge receipt of this letter and inform me of the actions being taken to rectify the matter within 30 days of receiving this request, as mandated by federal law.

Company response to consumer: Closed with explanation