Consumer complaint received 2023-11-16
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Here is the original complaint. 

Hello I came across my credit report and your agency is in error of 15 U.S.C. 1681 section b ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

So please do the following to become accurate : Use my current mailing address as this is the only place I get mail. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Update phone number to XXXX XXXX XXXX Then delete all old phone numbers on file Then Delete all old addresses on file Then Delete all student loans Then Update email to XXXX Then Delete all derogatory accounts according to this statement : I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 sw 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist. 



Thank You XXXX XXXX XXXX XXXX I asked for you to please delete the derogatory collections but you're still not in a fair reporting You still have old phone numbers you still have old addresses, still not up to date. 

Your bureau is still reporting negative and unfair credit reports. 

I'm sure you're aware of this law. validating a debt owed So let 's go through our investigation on all collections on my credit report. 

1692g. Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communica- tion with a consumer in connection with the collection of any debt, a debt collector shall, un- less the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written no- tice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any por- tion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty- day period that the debt, or any portion there- of, is disputed, the debt collector will obtain verification of the debt or a copy of a judg- ment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 

Here 's my question. 

1. Can you provide a detailed history of payments made by me on those accounts. 

2. Can you show me my personal signature that I put on this contract that is attached to those accounts that I am paying that creditor. 

3.Can you show me any insurance claims filed on that debt. 

4. Can you show the chain of title authorizing to collect on that debt. 

After your investigation if you can't provide as outlined then we must assume that you're liable just to delete it off my credit report. 

Thank You. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief