Consumer complaint received 2017-10-31
Company: EQUIFAX, INC.
State: LA
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:
Thank you for admitting to violating FDCPA and FCRA laws by not adhering to my validation request. This was your response to my CFPB complaint # XXXX. Equifax has reviewed your complaint and its records regarding your dispute. The XXXX XXXX XXXX account endingin XXXX is currently not reporting on the credit file. The XXXX XXXX XXXX accounts XXXX open XX/XX/XXXX and account XXXX open XX/XX/XXXX are currently reporting correctly on the Equifax credit file. The disputed XXXX XXXX XXXX accounts has verified your name, your name, your birthdate and your social security number to be correct as reported on the Equifax credit file. Equifax is a repository of credit information which has been supplied by creditors, collection agencies and public record holders. As such, we do not collect or maintain copies of contracts between consumers and their creditors. However, through our investigation process, we are able to contact the owners of the information and either confirm or correct the data reporting on your file. I REQUESTED VALIDATION NOT VERIFICATION!!!! Youre stating that these accounts are being verified by my name, my birthdate, and my social security number which should NOT be used as validation. ANYONE can have access to my information and use my name, my birthdate, and/or my social security number in fraudulent matters that are NOT AUTHORIZED by me. you SHOULD be able to agree with me due to your RECENT DATA BREACH at Equifax. Under the laws of the FDCPA, I have contacted the creditors myself and have been unable to get them to verify that this is indeed my debt. The listed items are entirely inaccurate and as such represents a very serious error in your reporting. Please be advised that I am NOT requesting VERIFICATION, that you have my MAILING ADDRESS, NAME, DATE OF BIRTH, AND/OR MY SOCIAL SECURITY NUMBER ; rather, I am requesting VALIDATION, i.e., competent evidence that I had some contractual obligation sans consumer protection encumbrance which incurred the original claims associated with this tradeline. Note that section 1681s-2 ( b ) of the Fair Credit Reporting Act creates a cause of action for a consumer against a furnisher of erroneous credit information. Please know that you have 30 days to either answer these demands or REMOVE/DELETE the associated negative tradelines notations from the credit file. Any other action may constitute evidence of your intent to abridge one or more civil or other constitutional rights. Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for criminal complaints being filed in accordance with FDCPA, FCRA, and other federal statutes. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove these items before I am forced to take legal action. In the event that you CAN NOT validate the items pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. I look forward to an uneventful resolution of this matter. 

Creditor 's Names and Account numbers : XXXX XXXX ( PROVIDE REQUESTED VALIDATION OR DELETE THIS TRADE-LINE!!!! ) XXXX XXXX ( PROVIDE REQUESTED VALIDATION OR DELETE THIS TRADE-LINE!!!! ) XXXX XXXX ( PROVIDE REQUESTED VALIDATION OR DELETE THIS TRADE-LINE!!!! ) XXXX XXXX ( PROVIDE REQUESTED VALIDATION OR DELETE THIS TRADE-LINE!!!! ) XXXX XXXX ( PROVIDE REQUESTED VALIDATION OR DELETE THIS TRADE-LINE!!!! ) XXXX XXXX ( PROVIDE REQUESTED VALIDATION OR DELETE THIS TRADE-LINE!!!! ) XXXX XXXX ( PROVIDE REQUESTED VALIDATION OR DELETE THIS TRADE-LINE!!!! ) XXXX XXXX ( PROVIDE REQUESTED VALIDATION OR DELETE THIS TRADE-LINE!!!! ) XXXX XXXX ( PROVIDE REQUESTED VALIDATION OR DELETE THIS TRADE-LINE!!!! ) XXXX XXXX ( PROVIDE REQUESTED VALIDATION OR DELETE THIS TRADE-LINE!!!! ) XXXX XXXX ( PROVIDE REQUESTED VALIDATION OR DELETE THIS TRADE-LINE!!!! ) XXXX XXXX ( PROVIDE REQUESTED VALIDATION OR DELETE THIS TRADE-LINE!!!! ) XXXX XXXX ( PROVIDE REQUESTED VALIDATION OR DELETE THIS TRADE-LINE!!!! ) XXXX XXXX ( PROVIDE REQUESTED VALIDATION OR DELETE THIS TRADE-LINE!!!! ) XXXX XXXX ( PROVIDE REQUESTED VALIDATION OR DELETE THIS TRADE-LINE!!!! ) XXXX XXXX ( PROVIDE REQUESTED VALIDATION OR DELETE THIS TRADE-LINE!!!! ) XXXX XXXX ( PROVIDE REQUESTED VALIDATION OR DELETE THIS TRADE-LINE!!!! ) ONCE AGAIN, I AM DEMANDING VALIDATION ( Verifiable Proof -an original Consumer Contract with my Signature on it ) FOR THESE 17 ACCOUNTS WITHIN 15 DAYS ( Ive been requesting validation for these accounts for OVER 3 months and STILL HAVE NOT received any documentation ) OR THE TRADELINES NEEDS TO BE REMOVED/ DELETED FROM MY CREDIT FILE IMMEDIATELY. THANK YOU!!!!

Company response to consumer: Closed with explanation