Consumer complaint received 2022-07-11
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax Credit Reporting Agency violated several laws against me. 
On XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 15 U.S. Code 1692j ( a ) States : It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 

On XXXX, XX/XX/2022, XX/XX/2022 this law was violated 15 U.S. Code 1692e A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section On XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 this law was violated 15 U.S. Code 1692g ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector On XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 this law was violated 15 U.S. Code 1681i ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ). 

On XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 this law was violated 15 U.S. Code 1681m States : to dispute, under section 1681i of this title, with a consumer reporting agency the accuracy or completeness of any information in a consumer report furnished by the agency. 

On XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 this law was violated based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute. 

On XX/XX/2022 I received a electronic letter via Equifax.com stating that the Debt with XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX is valid, which is incorrect since I have disputed with these accused creditors, and the inaccurate debt have been removed/deleted from XXXX XXXX XXXX  XXXX XXXX crediit reporting agency, and XXXX credit reporting agency . However Equifax still claims to debt is valid, and refuses to remove/delete, and by doing so have violate several laws.

Company response to consumer: Closed with explanation