Consumer complaint received 2022-10-20
Company: EQUIFAX, INC.
State: TN
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:
The following companies are NOT licensed in the state of Tennessee to collect debts of any kind nor report them on credit reports. I have proof listed below to confirm this information. Per the NMLS Consumer Access website these companies DO NOT hold a valid license in the State of TENNESSEE. They are violating my rights as a consumer by reporting inaccurate information on my credit report. I did not furnish written consent of any kind to these agencies to report any debts. I have no knowledge of these accounts, or any of the debts. The accounts and their account numbers are listed as follows : XXXX XXXX XXXX Acct # XXXX ( equifax ) XXXX Acct # XXXX ( **NOTE : In your response to the cfpb complaint report # XXXX, you stated you did not delete the account as I previously requested because EQUIFAX VERIFIED THAT THIS ITEM XXXX TO YOU. ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : HIGH CREDIT, SCHEDULED PAYMENT. I am requesting you to provide the original signed documentation from this collection company you stated you verified with be sent to me directly. I am also requesting a copy/proof of the company being licensed to collect in the state of XXXX be XXXX to me as well since you stated you verified all this information 100 % accurately. If you can not furnish the original documentation to ensure you properly verified the account, this account needs to be deleted immediately or pay a {$1000.00} fine for the violation. ) XXXX XXXX XXXX XXXX XXXX ) Acct # XXXX ( **NOTE : In your response to the cfpb complaint report # XXXX, you stated you did not delete the account as I previously requested because EQUIFAX VERIFIED THAT THIS XXXX BELONGS TO YOU. I am requesting you to provide the original signed documentation from this collection company you stated you verified with be sent to me directly. I am also requesting a copy/proof of the company being licensed to collect in the state of XXXX be XXXX to me as well since you stated you verified all this information 100 % accurately. If you can not furnish the original documentation to ensure you properly verified the account, this account needs to be deleted immediately or pay a {$1000.00} fine for the violation. ) XXXX XXXX XXXX XXXX XXXX  ) Acct # XXXX ( **NOTE : In your response to the cfpb complaint report # XXXX, you stated you did not delete the account as I previously requested because EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. I am requesting you to provide the original signed documentation from this collection company you stated you verified with be sent to me directly. I am also requesting a copy/proof of the company being licensed to collect in the state of XXXX be XXXX to me as well since you stated you verified all this information 100 % accurately. If you can not furnish the original documentation to ensure you properly verified the account, this account needs to be deleted immediately or pay a {$1000.00} fine for the violation. ) XXXX XXXX XXXX XXXX Acct # XXXX ( **NOTE : In your response to the cfpb complaint report # XXXX, you stated you did not delete the account as I previously requested because EQUIFAX VERIFIED THAT THIS XXXX BELONGS TO YOU. I am requesting you to provide the original signed documentation from this collection company you stated you verified with be sent to me directly. I am also requesting a copy/proof of the company being licensed to collect in the state of XXXX be XXXX to me as well since you stated you verified all this information 100 % accurately. If you can not furnish the original documentation to ensure you properly verified the account, this account needs to be deleted immediately or pay a {$1000.00} fine for the violation. )

Company response to consumer: Closed with explanation