Consumer complaint received 2018-12-19
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:
IN REGARDS TO : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX TEXAS XXXX THIS LETTER IS TO INQUIRE ABOUT THE VALIDITY OF A DEBT THAT YOU ARE REPORTING ON MY CREDIT REPORT. BE ADVISED THAT THIS NOT A REFUSAL TO PAY, BUT TO INFORM YOU THE ACCOUNT WAS OPENED FRAUDULENTLY AND FORGERY WAS COMMITTED IN MY NAME AND I'M A VICTIM OF IDENTITY THEFT. THIS A NOTICE SENT PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, 15 USC 1692g Sec. 809 ( b ) THAT YOUR CLAIM IS DISPUTED AND VALIDATION IS  REQUESTED. 
THIS IS NOT A REQUEST FOR " VERIFICATION '' OR PROOF OF MY MAILING ADDRESS, BUT A REQUEST FOR VALIDATION MADE PURSUANT TO THE ABOVE NAMED TITLE AND SECTION. I RESPECTFULLY REQUEST THAT YOUR OFFICES PROVIDE ME WITH COMPETENT EVIDENCE THAT I HAVE ANY LEGAL OBLIGATION TO PAY YOU. 
PLEASE PROVIDE ME WITH THE FOLLOWING : -WHAT THE MONEY YOU SAY I OWE IS FOR -PROVIDE THAT THE STATUE OF LIMITATIONS HAS NOT EXPIRED ON THIS ACCOUNT -SHOW ME THAT YOU ARE ARE LICENSED TO COLLECT IN MY STATE -EXPLAIN AND SHOW ME HOW YOU CALCULATED WHAT YOU SAY I OWE -PROVIDE ME WITH COPIES OF ANY PAPERS THAT SHOW THAT I AGREED TO PAY WHAT YOU SAY I OWE -PROVIDE A VERIFICATION OR COPY OF ANY JUDGEMENT IF APPLICABLE -IDENTIFY THE ORIGINAL CREDITOR -PROVIDE ME WITH YOUR LICENSE NUMBERS AND REGISTERED AGENT -PROVIDE ME WITH THE ORIGINAL DOCUMENTS BEARING MY SIGNATURE AT THIS TIME, I WOULD ALSO LIKE TO INFORM YOU THAT IF YOUR OFFICES HAVE REPORTED INVALIDATED INFORMATION TO ANY OF THE THREE MAJOR CREDIT BUREAU 'S ( EQUIFAX, XXXX  OR XXXX XXXX ) THIS ACTION MIGHT CONSTITUTE FRAUD UNDER BOTH FEDERAL AND STATE LAWS. 
DUE TO THIS FACT, IF ANY NEGATIVE MARK IS FOUND ON ANY OF MY CREDIT REPORTS BY YOUR COMPANY OR THE COMPANY THAT YOU REPRESENT, I WILL NOT HESITATE IN BRINGING LEGAL ACTION AGAINST YOU FOR THE FOLLOWING : * VIOLATION OF THE FAIR CREDIT REPORTING ACT * VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES ACT * DEFAMATION OF CHARACTER IF YOUR OFFICES ARE ABLE TO PROVIDE THE PROPER DOCUMENTATION AS REQUESTED IN THE FOLLOWING DECLARATION, I WILL REQUIRE AT LEAST 30 DAYS TO INVESTIGATE THIS INFORMATION AND DURING SUCH TIME ALL COLLECTION ACTIVITY MUST CEASE AND DESIST. 
IF YOUR OFFICES FAIL TO RESPOND TO THIS VALIDATION REQUESTING WITHIN 30 DAYS FROM THE DATE OF YOUR RECEIPT, ALL REFERENCES TO THIS ACCOUNT MUST BE DELETED AND COMPLETELY REMOVED FROM MY CREDIT FILE AND A COPY OF SUCH DELETION REQUEST BE SENT TO ME IMMEDIATELY. 
ALSO DURING THIS VALIDATION PERIOD, IF ANY ACTION THAT COULD BE CONSIDERED DETRIMENTAL TO ANY OF MY CREDIT REPORTS IS TAKEN, I WILL CONSULT WITH MY LEGAL COUNSEL FOR SUIT. THIS INCLUDES LISTING OF ANY INFORMATION TO A CREDIT REPORTING REPOSITORY THAT COULD BE INACCURATE OR INVALIDATED ; OR VERIFYING AN ACCOUNT AS ACCURATE WHEN IN FACT THERE IS NO PROVIDED PROOF THAT IT IS. 
I ADVISE THAT YOU ASSURE THAT YOUR RECORDS ARE IN ORDER BEFORE I AM FORCED TO TAKE LEGAL ACTION. THIS IS AN ATTEMPT TO CORRECT YOUR RECORDS ; ANY INFORMATION OBTAINED SHALL BE USED FOR THAT PURPOSE. 
Cc FEDERAL TRADE COMMISSION Cc CONSUMER FINANCIAL PROTECTION BUREAU Cc XXXX XXXX XXXX Cc ATTORNEY GENERAL 'S OFFICES THANK YOU FOR  YOUR TIME AND PROMPT ATTENTION. 
BEST REGARDS

Company response to consumer: Closed with explanation