Consumer complaint received 2018-04-23
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Due to the fact that my problem doesnt truly exist in the drop-down menu, I will explain it myself in detail. I sent a Creditors Validation letter to XXXX XXXX XXXX on XX/XX/XXXX. Due to the fact that my problem doesnt truly exist in the drop-down menu, I will explain it myself in detail. XXXX XXXX XXXX claims I owe a debt from an apartment complex that I actually left on my given time. I had my Personal Financial Consultant XXXX XXXX to speak on my Behalf with them as well. I sent a legal authorization form to them as required. I sent them a letter for them to validate the debt in the allotted time frame given by the FDCPA which is 30 days. In my case, the debt was validated in thirty days ( 30 ) by XXXX XXXX XXXX. Therefore, by the FDCPA that XXXX XXXX XXXX was not able to prove that I signed a renewal lease. So, XXXX XXXX XXXX was supposed to inform me and XXXX XXXX that they are removing themselves from my credit report for not being able to validate the debt. I have my Personal Financial Consultant XXXX XXXX to speak on my Behalf with them and record all the calls on my behalf. Under the State of Texas Recording Law and XXXX XXXX XXXX agreed to the recording by accepting my authorization letter signed by me giving XXXX XXXX XXXX authority to speak on my behalf. As you going to see the letter state that all calls will be recorded on my behalf. I am going to provide the recording, the creditor 's validation letter, the mailing dates they received the letter. XXXX XXXX XXXX spoke with XXXX XXXX XXXX and XXXX XXXX with XXXX XXXX XXXX. XXXX XXXX XXXX is at extension XXXX and XXXX XXXX extension is XXXX. Both XXXX XXXX and XXXX XXXX claim that a renewal lease was signed and they needed time to get the information after I sent the creditor 's validation letter. Now, according to the FDCPA that is the Fair Debt Collection Practice Act the collection company has thirty days ( 30 ) to respond to the letter. Neither one has made an attempt to call not send me a letter stating that they have validated the debt nor have the ceased all collection efforts because they can't validate the debt. According to the FDCPA, a collection company must cease all collection efforts and remove themselves from the consumer credit report if they can't validate the debt ; unfortunately, XXXX XXXX XXXX is not abiding by the FDCPA. At, this time I like for an investigation to be started for the removal of XXXX XXXX XXXX from my credit report. I am going to provide all my evidence to my case. 
Also, XXXX XXXX XXXX spoke with XXXX XXXX the Manager and he said on a recording that they mailed out the responding letter to my creditors validation letter on XX/XX/XXXX. In which he was not truthful either this is just more evidence this account should be removed from my credit report. I am going to provide factual information even on the letter that was provided by XXXX XXXX XXXX XXXX XXXX they have the wrong person on the contract it has XXXX XXXX which is the tenant that moved in right after I left the complex.

Company response to consumer: Closed with explanation