Consumer complaint received 2022-01-10
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX {$440.00}, XXXX XXXX XXXX {$410.00}, XXXX XXXX {$240.00}, XXXX XXXX  XXXX XXXX {$370.00}, I have been receiving alerts through credit monitoring services that this collections from the accounts listed above has been added to my file. I have not had any dealings with these companies nor any affiliates of these companies. To ensure that these collections is accurate, I would like to see the original binding contract with my hand written signature. The signature Can not be electronic as I would had to physically sign as it appears. It would have to be hand signed, by me!! If any such document is not available, then these items must be deleted immediately!! Furthermore, anything other than a copy of the original signed contract would be insufficient. A copy of a bill with a name is not considered evidence that I owe this debt. Please provide me with a copy of any original documentation for example, a consumer contract with my wet-ink signature on as required under Section 609 ( a ) ( i ) ( A ) & Section 611 ( a ) ( i ) ( A ) of the ( FCRA ), Fair Credit Reporting Act. Pursuant to the Fair Debt Collection Practices Act, I request verification/ Validation of the debt including statements, reports, ledgers, correspondence, notes, origination documents ( including any and all application and usage/ activity signatures, ) and documents relating to any assignment of such account to and /or from any third parties. Please label all quantitative entries such as, dates, payments, credits, finance charges, penalty fees, collection commission and attorney fees. Also, please provide me with a complete description of your clients identity, including its full name, address, state and local license and state and federal tax numbers. Last but not least, please provide me with an original consumer contract with my Wet-ink signature on it. Copies of copies are not a form of Validation, and by Law are not considered proof. Under the ( FCRA ) Fair Credit Reporting Act, unverified, invalid accounts must be removed. If you are unable to provide me with a copy of the verifiable / Validated proof that you have on file, within 30 days from the receipt of this notice, by law you have to immediately remove the aforementioned items in dispute from my credit report. Fair Debt Collection Practices Act Section 809. Validation of debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgement or the name and address of the original creditor and a copy of such verification or judgement, or name and address of the original creditor, is mailed to the consumer by the debt collector. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), your company is required by federal law to verify through the physical verification of the original signed certified consumer contract-of any and and all accounts you request to be posted and or reported on a credit report. I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), your company is required by federal law to verify through the physical verification of the original signed certified consumer contract-of any and all accounts you request to be posted and or reported on a credit report. A consumer reporting agency is not required to remove accurate derogatory information from a consumers file unless the information is outdated under section 605 or can not be verified.

Company response to consumer: Closed with explanation