Consumer complaint received 2023-12-10
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
e advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act ( FCRA ) ( 15 USC 1692g ) stating 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 to pursuant to the above- named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, Equifax, or XXXX ) this action XXXX 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 you represent, I will not hesitate in bringing legal action against and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character. ( per XXXX ). 
If your offices can provide the proper documentation as requested in the following XXXX, I will require at least XXXX calendar days to investigate this information, during which time all collection activity Shall Cease and Desist. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of information to a credit reporting repository that could be inaccurate or invalidated. 
If your offices fail to respond to this validation request within XXXX calendar davs from the date of vour receipt. all references to this XXXX XXXX XXXX XXXX Open/Closed Account Type Balance Date Opened XXXX  XXXX Open/Closed Account Type Balance Date Opened XXXX  XXXX XXXX XXXXXXXX Open/Closed Account Tvoe Balance Date Opened XXXX  XXXX XXXX XXXXXXXX Open/Closed XXXX ) Closed Credit card XXXX XX/XX/XXXX Closed Line of Credit XX/XX/XXXX Closed Secured Loan XX/XX/XXXX ) Closed XXXX XXXX XXXX XXXX Open/Closed Account Type Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX Open/Closed Account Type Balance Date Opened XXXX XXXX XXXX XXXX Open/Closed Account Tvoe Balance Date Opened XXXX XXXX XXXX XXXX Onen/Closed XX/XX/XXXX ) Closed Unsecured {$280.00} XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX ) Closed Unsecured XX/XX/XXXX XXXX XXXX XXXX XXXX Open/Closed Account Type Balance Date Opened XXXX XXXX XXXX XXXX Open/Closed Account Type Balance Date Opened XXXX XXXX XXXX XXXX Open/Closed Account Type Balance Date Opened XXXX XXXX XXXX XXXX Unsecured XX/XX/XXXX Closed Unsecured Closed Unsecured XX/XX/XXXX Closed Unsecured XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX Open/Closed Account Type Balance Date Opened XXXX XXXX XXXXXXXX Open/Closed Account Tvoe Balance Date Opened XXXX XXXX XXXXXXXX Open/Closed Account Tvoe Balance Date XXXX Closed Unsecured XX/XX/XXXX ) Closed Unsecured XX/XX/XXXX ) Closed Secured Loan XX/XX/XXXX ) Closed Secured Loan XX/XX/XXXX Hard inquiries XXXX XXXX Inquired on On record until XXXX XXXX XXXX Inquired on On record until XXXX & XXXX XXXX XXXX Inquired on On record until XXXX  Inquired on On record until XXXX Inauired on On record until XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on On record until XX/XX/XXXX XX/XX/XXXX XXXX Inquired on On record until XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX Inguired on On record until XX/XX/XXXX XX/XX/XXXX XXXX XXXX Inauired on On record until XX/XX/XXXX XX/XX/XXXX XXXX XXXX Inquired on On record until XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on On record until XX/XX/XXXX XX/XX/XXXX XXXX Inquired on On record until XX/XX/XXXX XX/XX/XXXXXXXX XXXX Inquired on On record until XX/XX/XXXX XX/XX/XXXX 2024

Company response to consumer: Closed with explanation