Consumer complaint received 2019-06-15
Company: EQUIFAX, INC.
State: FL
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: Their investigation did not fix an error on your report

Complaint:
Intent to file lawsuit, No validation of debt. 
Validation letter sent to : XXXX XXXX XXXX XXXX Account # : XXXX & # XXXX To whom it may concern : Please be advised I have reported " validation '' ( not verification ) of an item reported to you by the above original creditor/collection agency. I have received the response that does not indicate or prove : 1. I had this service 2. What services I am being charge for. 3.  What the cost of each services I am being charged for. 
Furthermore, ( XXXX XXXX XXXX XXXX ) did NOT provide me a HIPPA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I AM PROCEEDING WITH LEGAL ACTION AS PRESCRIBED BY LAW AGAINST THE ABOVE-NAMED ORIGINAL CREDITOR/COLLECTION AGENCY. SHOULD THIS ITEM NOT BE DELETED WITHIN THE REQUIRED TIME ALLOWED BY LAW I WILL SEEK EVERY LEGAL REMEDY AVAILABLE TO ME AND FILE SUIT AGAINST THE CREDIT BUREAU RESPONSIBLE FOR REPORTING THIS VIOLATION. I urge you to take this extremely serious as I have documented my case without error. I encourage a response from you expeditiously. 

Sincerely, XXXX XXXX XXXX I ask the help of CFPB I have put much effort for months now and time to get this resolve please me as Equifax has also sent a notice that they will no longer investigate my dispute and has closed my dispute without providing any documents to me that I have requested, I'm afraid the bureau is not investigating properly into this matter. Nor has XXXX XXXX provided me with nothing. I have done my part as a consumer, how is it a dispute has been closed when I have submitted a complaint and the above agency has sent a response that they would investigate, and Equifax instead closed my dispute. How is this possible? Enclose CFPB I have attached a copy of letter sent to the creditor with the date XX/XX/2019, no response was received instead I have been receiving bills from the above creditor ( note this is NOT show validation a statement with a bill of debt ), since XXXX Equifax has stated this account has been verified. How is this possible if the creditor has not even show me nothing? I have attached a response from XXXX I have received about the complaint made through cfpb since XX/XX/2019 mind you first initial attempt to contact this company was since XXXX its XX/XX/2019 and nothing has been receive almost 3 months, also attach is the first letter sent to Equifax ( HIPPA ) proof it was sent and receive by Equifax, also attach is second letter and final letter I have sent to Equifax ( HIPPA ) yesterday on XX/XX/2019. I will proceed with a law suit if these accounts are not removed, both Equifax and XXXX will be hearing from my lawyer if this is not resolve in a timely matter. Once XXXX is removed from my file I request XXXX also request their account be remove from my all credit bureaus.

Company response to consumer: Closed with explanation