Consumer complaint received 2023-04-06
Company: EQUIFAX, INC.
State: MD
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:
Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim I owe you or my account was charged off. This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation, being that the debt is listed against me. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 
Any automated response or e-Oscar verification is unacceptable. I am requesting a reinvestigation AND your Method of Verification. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error of incorrect balance, missing information, incorrect credit limit, high balance is lower than owed balance, status or any other field blank, status incorrect, incorrect high balance, late pays after an account was closed, account number inaccurate contains Xs or asterisks instead of full number, account type inaccurate, invalid furnisher, date of last activity incorrect account over 7-year period, date of last update incorrect, date reported inaccurate, collection account listed with a limit, but a collection can not have a limit, charged off listed as open or collection, a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non compliance. I further remind you that, as in Wenger v. Trans union XXXX, XXXX. XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX you may be liable for your willful non-compliance.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via online public press release including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXXXXXX XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX

Company response to consumer: Closed with explanation