Consumer complaint received 2023-05-31
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Date : XX/XX/XXXX Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX SSN : XXXX Contact Number : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ( or ) XXXX XXXX XXXX XXXX XXXX PA XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX Credit Report Number : XXXX, Date Created : XX/XX/XXXX Equifax Credit Report Confirmation XXXX XXXX, Date created : XX/XX/XXXX XXXX Credit Report File Number : XXXX, Date created : XX/XX/XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX 
Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX : XXXX Dear : XXXX, Equifax and XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to dispute the inaccuracy of this information contained in my credit report in regards to the Original Creditor : XXXX XXXX Account Designator Code INDIVIDUAL_ACCOUNT and XXXX XXXX XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX Account Number XXXX XXXX with an alleged Amount Owed {$320.00} This account is only shown on Equifax and not on XXXX or XXXX which shows a big discrepancy between the credit bureau. The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. This inaccurate reporting is negatively impacting my good name, character, and ability to qualify for new credit. As a consumer, I have a right to accurate and fair reporting of my credit history, and this discrepancy is creating an unfair and inaccurate representation of my creditworthiness. 

Again please remove this account immediately from my credit report and also provide me a copy of my new credit report reflecting this account removed upon completion. I am requesting that your company provide me with debt validation and the Health Insurance Portability and Accountability Act ( HIPAA ) authorization Be advised, this is NOT a request for 'verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g et seq. of the Fair Debt Collection Practices Act ( FDCPA ''. At this time, I will also inform you that a HIPAA-covered entity or its business associate violated my health information privacy rights and'or committed another violation of the Privacy, Security or Breach Notification Rules. I have never been to the hospital and I do not recall giving permission to release my medical information to a third party. I am stationed in Georgia not Florida, Please provide debt validation in the form of agreement, an original bill, and a detailed statement of procedures is required, if any. Please provide a breakdown of fees, including any collection costs and medical charges, if any, Please provide a copy of my signature with the provider of service to release my medical information and also provide a report of comparative analysis between the dubious signature and the signature recognized by the alleged signer, If any. Finally, please provide an affidavit signed under the Penalty of Perjury that your organization has not violated any portion of the FCRA, FDCPA and HIPAA. I will also be submitting a police report in regards to this fraudulent activity. 

Furthermore, I believe that the furnisher of this information from XXXX XXXX XXXX, XXXX XXXX XXXX as the credit bureau and XXXX is an unreliable source. Their inconsistent reporting raises serious questions about their accuracy and reliability, and I request that you reinvestigate this matter thoroughly. I am formally requesting that you remove this collection account from my credit report due to the inaccurate and unreliable reporting. Please provide me with a written confirmation of the deletion and an updated copy of my credit report. 
Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX Thank you

Company response to consumer: Closed with explanation