Consumer complaint received 2023-06-27
Company: EQUIFAX, INC.
State: FL
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: Their investigation did not fix an error on your report

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX EQUIFAX RE : Accounts : XXXX XXXX  XXXX IS NOT MY ACCOUNT SELF XXXX XXXX  XXXX IS NOT MY ACCOUNT. 
XXXX XXXX XXXX XXXX IS NOT MY ACCOUNT XXXX XXXX XXXXXXXX IS NOT MY ACCOUNT XXXX XXXXXXXX XXXX IS NOT MY ACCOUNT Dear EQUIFAX XXXX How is it that the other two credit bureaus was not able to verify these accounts but you was and youll access the same information Delete account immediately! 
I'm sure you are aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ), and I am requesting validation of this debt. debt. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. I request that you cease contacting me via telephone and all future correspondence be writing. To refresh your memory on what constitutes legal debt validation, I am providing you a list of the required documentation : Complete payment history, the requirement of which has been established via Spears v Brennan 745 N.E.2d 862 ; 2001 Ind. App. LEXIS 509. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the original creditor. Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. Coppola v. Arrow Financial Services, 302CV577, 2002 WL 32173704 ( D.Conn., Oct. 29, 2002 ) - Information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase their request clearly to obtain : The source of a debt and the amount a bad debt buyer paid for plaintiff 's debt, how amount sought was calculated, where in issue a list of reports to credit bureaus, and documents conferring authority on defendant to collect debt. Intimate knowledge of the creation of the debt by you, the collection agency. As I am sure you are well aware, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in TWYLA BOATLEY, Plaintiff, vs. DIEM CORPORATION, No. CIV 03-0762 UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, 2004, the courts ruled that reporting a collection account indeed is considered collection activity. While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FDCPA. If this issue is not resolved soon and account deleted as well as incorrect address deleted, I will be forced to sue this company for reporting false and inaccurate information. I am also requesting any inaccurate personal information that does not belong to me be deleted immediately! As they are not reportable as per the FCRA, since they are inaccurate. If these accounts are not deleted and I do not receive validation/ proof of ownership from original creditors and the verification process that took place I will be suing Equifax company . I look forward to a speedy resolution of this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief