Consumer complaint received 2016-09-20
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX Bank XXXX continues to report and re -verify to Equifax after an investigation a debt that was rendered NULL and VOID by their attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/2013 when he sent a letter to XXXX XXXX XXXX XXXX Prothonotary XXXX XXXX XXXX Pennsylvania QUOTE : I have sent a Praecipe to Vacate Judgement to the trial court. In light of this development, I respectfully submit that the appeal in the XXXX XXXX is now moot. The referenced foreclose action XXXX XXXX XXXX of Common Pleas Civil Division No : XXXX. XXXX and XXXX XXXX,, Defendant Pro Se answer the complaint. On XXXX XXXX, 2013 XXXX and XXXX XXXX Appellants Pro XXXX file a Notice of appeal in compliance with Rules of Appellate Procedure - Pennsylvania XXXX. The appeal was granted by the XXXX XXXX XXXX Pennsylvania and given the XXXX XXXX : XXXX. The end result is any alleged debt or obligation owed by XXXX and XXXX XXXX and XXXX XXXX Bank rendered null and void on XXXX XXXX, XX/XX/XXXX when XXXX XXXX XXXX, XXXX - ID # XXXX filed with XXXX XXXX XXXX XXXX XXXX a Praecipe to Withdraw / Vacate the Judgment docketed on XXXX XXXX, XX/XX/XXXX. Their continued collection actions are in violation af XXXX XXXX Title XXXX Chapter XXXX Subchapter V XXXX Validation of debts ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumer 's right to dispute the debt or request the name and address of the original creditor. 
XXXX XXXX Title XXXX Chapter XXXX Subchapter V XXXX Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( XXXX ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 
XXXX XXXX Title XXXX Chapter XXXX Subchapter XXXX XXXX XXXX XXXX Code XXXX - Procedure in case of disputed accuracy ( XXXX ) Notice of results of reinvestigation A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. 
XXXX XXXX XXXX a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency., including the furnisher of information contacted in connection with such information XXXX XXXX XXXX XXXX. False or misleading ( XXXX XXXX the character, amount or legal status of any debt

Company response to consumer: Closed with explanation