Consumer complaint received 2023-08-24
Company: EQUIFAX, INC.
State: AL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX XXXX XXXX Request for Validation of Accounts To Whom It May Concern : I am writing to request your company to validate the following items on my credit file, which may be inaccurate. Please validate these items to ensure they are correct and belong to me. This request is in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), asserting that I dispute your claim and seek validation. Kindly forward a copy of this request to the relevant creditor. 

I want to clarify that this is not a mere request for " verification '' or proof of my mailing address. Rather, it is a formal VALIDATION request, as stipulated by the aforementioned Title and Section. I respectfully urge your offices to provide me with credible evidence establishing my legal obligation to pay this debt. Please provide the following : 1. Identify the original creditor and specify the purpose of the claimed debt.

2. Clearly explain and substantiate how the alleged debt amount was calculated.

3. Furnish copies of any documents demonstrating my agreement to the asserted debt.

4. Provide verification or a copy of any applicable judgment, if applicable.

5. Demonstrate that the Statute of Limitations has not expired for this account.

6. Show that the creditor is authorized to collect in my state.

7. Provide me with the creditor 's license numbers and Registered Agent details.

I'd like to emphasize that if your offices have reported unverified information to Equifax, XXXX, or XXXX, such action may potentially constitute fraud under both Federal and State Laws. I must assert that if any derogatory information appears on any of my credit reports due to your actions or the actions of the represented company, I will not hesitate to initiate legal action against you for : - Violation of the Fair Credit Reporting Act - Violation of the Fair Debt Collection Practices Act - Defamation of Character I trust that you will provide the necessary documentation within 30 days from the receipt of this letter. During this time, all collection and reporting activities related to these accounts must cease. 

Please be advised that any adverse actions affecting my credit reports taken during this validation period will lead me to consult my legal counsel for appropriate action. This includes inaccuracies in reporting or verifying an account as accurate without providing supporting proof. 

Should your offices fail to respond to this validation request within the specified timeframe, I demand that all references to the mentioned accounts be promptly deleted and entirely removed from my credit file. Furthermore, I expect a copy of the deletion request to be sent to me immediately. 

Additionally, I kindly request that the credit bureau or creditor refrain from making telephone contact with me, whether at my residence or place of employment. Any such communication attempts will be deemed harassment, compelling me to pursue legal recourse. I insist that all future communications be conveyed in writing and sent to the address indicated in this letter via XXXX. 

It is advisable for you to ensure the accuracy of your records before I am compelled to pursue legal action. This endeavor aims to rectify inaccuracies and ensure that any information obtained serves that purpose. 

Accounts : XXXX. XXXX XXXX  - Account # : XXXX - Account Type : Revolving - Bureau Code : Individual - Account Status : Derogatory - Monthly Payment : {$0.00} - Date Opened : XX/XX/XXXX - Balance : {$6100.00} - High Credit : {$6100.00} - Credit Limit : {$5000.00} - Past Due : {$1400.00} - Payment Status : Collection/Chargeoff - Last Reported : XX/XX/XXXX XXXX. XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) - Account # : XXXX - Account Type : Collection - Bureau Code : Individual - Account Status : Derogatory - Date Opened : XX/XX/XXXX - Balance : {$140.00} - High Credit : {$140.00} - Payment Status : Collection/Chargeoff - Last Reported : XX/XX/XXXX XXXX. XXXX - Account # : XXXX - Account Type : Open Account - Account Status : Closed - Monthly Payment : {$0.00} - Date Opened : XX/XX/XXXX - Balance : {$7900.00} - High Credit : {$7900.00} - Credit Limit : {$0.00} - Past Due : {$2200.00} - Payment Status : Late 90 Days - Last Reported : XX/XX/XXXX XXXX. XXXX  XXXX  XXXX - Account # : XXXX - Account Type : Revolving - Account Status : Derogatory - Monthly Payment : {$0.00} - Date Opened : XX/XX/XXXX - Balance : {$0.00} - High Credit : {$640.00} - Credit Limit : {$550.00} - Past Due : {$0.00} - Payment Status : Collection/Chargeoff - Last Reported : XX/XX/XXXX XXXX. XXXX  - Account # : XXXX - Account Type : Revolving - Account Status : Derogatory - Monthly Payment : {$0.00} - Date Opened : XX/XX/XXXX - Balance : {$2200.00} - High Credit : {$2200.00} - Credit Limit : {$1700.00} - Past Due : {$2200.00} - Payment Status : Collection/Chargeoff - Last Reported : XX/XX/XXXX XXXX. XXXX  - Account # : XXXX - Account Type : Open Account - Account Status : Derogatory - Monthly Payment : {$0.00} - Date Opened : XX/XX/XXXX - Balance : {$300.00} - High Credit : {$300.00} - Past Due : {$300.00} - Payment Status : Late 120 Days - Last Reported : XX/XX/XXXX XXXX. XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX  ) - Account # : XXXX - Account Type : Collection - Account Status : Derogatory - Date Opened : XX/XX/XXXX - Balance : {$300.00} - High Credit : {$300.00} - Payment Status : Collection/Chargeoff - Last Reported : XX/XX/XXXX XXXX. XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) - Account # : XXXX - Account Type : Collection - Account Status : Derogatory - Date Opened : XX/XX/XXXX - Balance : {$140.00} - High Credit : {$140.00} - Payment Status : Collection/Chargeoff - Last Reported : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief