Consumer complaint received 2020-06-10
Company: EQUIFAX, INC.
State: FL
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX last 4ssn XXXX XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it XXXX that you have on file for the account listed below. 


1.CAPIO XXXX XXXX Original creditor XXXX XXXX XXXX XXXX   {$120.00} Balance updated XX/XX/2020 Account number XXXX Collection opened XX/XX/2020 Account type Collection Department / Agency / Attorney Validate Account 2XXXX XXXX  XXXX  Original creditor : XXXX XXXX   XXXX  {$760.00} Account number XXXX Validate Account 3.XXXX XXXX  XXXX Original creditor XXXX XXXX XXXX {$1300.00} Account number XXXX Validate Account 4.XXXX XXXX  XXXX XXXX  Original creditor : XXXX   XXXX XXXX XXXX {$150.00} Balance updated XX/XX/2020 Account number XXXX Validate Account 5.XXXX Original creditor : XXXX XXXX XXXX XXXX  {$710.00} Account number XXXX Validate Account 6.XXXX  XXXX  XXXX XXXX  XXXX Original creditor : XXXX XXXX XXXX XXXX  {$75.00} Account number XXXX Validate Account 7.XXXX  XXXX Original creditor : XXXX XXXX {$1400.00} Account number XXXX Validate Account 8.XXXX XXXX XXXX  {$10000.00} XXXX Balance updated XX/XX/2020 15 late payments please remove all late payments please delete these inaccuracies from my credit report 9. XXXX  XXXX XXXX {$520.00} Closed 11 charge-offs Account number XXXX Validate Account 10. XXXX XXXX {$0.00} Closed 1 charge-off Account number XXXX Validate Account 11.XXXX CRD {$0.00} Closed 1 charge-off XXXX Validate Account Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

I demand that the following account be verified or removed immediately : In addition, please remove all non-account holding inquries over 30 days old. Also, please add a promotional suppression to my credit file. 

Under federal law, you have thirty ( 10 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Send the following information : The name and address of the original creditor, the account number, and the amount owed. 

Verification that there is a valid basis for claiming I am required to pay the current amount owed. 

Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. 

Whether this debt is within the statute of limitations and how that was determined. 

Details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. 
Thank you,

Company response to consumer: Closed with explanation