Consumer complaint received 2022-12-13
Company: EQUIFAX, INC.
State: FL
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:
This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but 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 :? Explain and show me how you calculated what you say I owe :? Provide me with copies of any papers that show I agreed to pay what you say I owe :? Provide a verification or copy of any judgment if applicable :? Identify the original creditor :? Prove the Statute of Limitations has not expired on this account :? Show me the you are licensed to collect in my state :? Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, Equifax or 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 to bring 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 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. 
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 listing any information with 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 accurate. 
If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the XXXX major credit reporting bureaus : Equifax, XXXX and XXXX } request shall be sent to me immediately. 
I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.

It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.

Best Regards, 1. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX  Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 2. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 3. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Date of inquiry : XX/XX/XXXX XXXX U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 4. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX  Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 5. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 6. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 7. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX XXXX  Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 8. Violation to my rights 15 U.S.C 1681 ( a ) ( 4 ) violation XXXX XXXX XXXX Account Number : XXXX The finance charge shall not include fees and amounts imposed by third party closing agents ( Including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. 
9. I Was Never Late on this account XXXX XXXX XXXX Account Number : XXXX The finance charge shall not include fees and amounts imposed by third party closing agents ( Including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter.

Company response to consumer: Closed with explanation