Consumer complaint received 2022-08-07
Company: EQUIFAX, INC.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am a federally protected consumer and I have strong reason to believe the debt collection agency appearing on my EQUIFAX consumer report as XXXX ' is in violation of Federal Laws, and Arizona State Laws. On XX/XX/XXXX I was in the process of extending credit for a transaction which is my right under Law and commerce. And I looked at my consumer report being furnished by Equifax and I saw a medical collection ACCT # XXXX AGENCY NAME-XXXX - DATE ASSIGNED XX/XX/XXXX ORIGINAL AMOUMT {$940.00}, CURRENT BALANCE {$1000.00}. There is no way this collection account should be on my consumer report. There are ALOT of violations under FDCPA 15 USC 1692.How is the original amount {$940.00} now its current balance is {$1000.00}? THAT MEANS THERE ADDING FEES, TAXES, UNDER THE FTC AND FDCPA THAT ALONE IS VIOLATIONS WORTHY OF CIVIL MONETARY RELIEF Under 15 US Code 6801 It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information so EQUIFAX and this XXXX appear to be conspiring by violating my Consumer Rights by furnishing this debt on my consumer report. They are furnishing, sharing for profit my Nonpublic Personal Information and also appear to be conspiring with each other a " business venture '' and subject to 18 US CODE 892. Whoever makes any extortionate extension of credit, or conspires to do so, shall be fined under this title or imprisoned not more than 20 years, or both. And I'm aware of FTCs case against XXXX XXXX XXXX, XXXX. The FTC says XXXX used debt parking to collect fake or questionable debts. Debt parking is an illegal practice where collectors post debts to peoples credit reports without first trying to contact them. Many people dont learn about the debts until they apply for loans, jobs, or housing, and someone pulls their credit report. Some people pay the debts to clear their credit even if they dont owe them. Others never discover the debts but lose job offers or other opportunities because of the information. I was in the middle of extending credit when I saw this mysterious collection account on my consumer report being furnished by EQUIFAX so it was very shocking in middle of the transaction to see this collection on my consumer report. Secondly under the FAIR DEBT COLLECTION PRATICES ACT 15 US CODE 1692 ( C, D, E, F ) I see this collection agency is in violation HARRASMENT AND ABUSE false misleading abusive deceptive tactics as " BY PUTTING THIS FRAUDENLENT MEDICAL COLLECTION ON MY CONSUMER REPORT ''. ITS ALSO FALSE MISLEADING PRATICES, UNFAIR PRATICES. Thirdly this collection agency is in violation of ARIZONA COLLECTION LAWS 32-1021, 32-1055 engaging in false misleading practices 'placing false misleading collection on my consumer report '' being oppressive, vindictive, illegal collection methods material misrepresentation. This collection agency has never showed me they were licensed and bonded which are required to collect in ARIZONA and most importantly I would ask them where is " THE CHAIN OF TITLE '', where is the contract showing I have agreement with this mysterious company? There is a lot of violations of Federal and State LAWS and its damaging my creditworthiness DEFAMATION of my name and character DAMAGING to my consumer report and DISCRIMINATION by trying to prohibit me from extending credit WHICH IS MY RIGHT IN COMMERCE and all this FURNISHED by this mysterious debt collector on my EQUIFAX CONSUMER REPORT I need the help of CFPB to enforce my Consumer Rights I'm being DISCRMINATED against and DEFAMATION to my name and creditworthiness.

Company response to consumer: Closed with explanation