Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Dear CFPB Representative, I am writing to file a formal complaint regarding the improper actions of a debt collector in violation of Section 1692c of the Fair Debt Collection Practices Act ( FDCPA ). Below, I have outlined the details of the incident, and I request your immediate investigation and intervention. 

Details of the violation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The debt collector violated my rights under Section 1692c of the FDCPA in the following ways : 1. Improper Communication : [ Provide details about the violation here. For example, if they contacted you at inconvenient times, used abusive language, communicated with third parties about your debt without permission, or continued to contact you after you requested them to stop, provide specific details. ] 2. Failure to Cease Communication After Request : [ If applicable, describe how the debt collector continued to contact you after you requested in writing that they stop, which is a violation under 1692c ( c ). ] I believe these actions constitute a direct violation of the protections outlined in the FDCPA. I have attached copies of my correspondence with the debt collector, including my cease-and-desist request, which they ignored.

I request that you investigate this matter and take appropriate enforcement action to ensure that my rights are protected under the FDCPA. 

Remove all thesePersonal Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The Fair Debt Collections Practices Act is all about making sure existing laws and procedures are set to protect consumers as there was found to be an abundance of evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors.

This company violated the law 15 U.S. Code 1692f which states that a debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.

This company also violated the law 15 U.S. Code 1692 which states that a debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. 
A debt collector XXXX not communicate with a consumer in connection with the collection of any debtat any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. And a debt collector XXXX not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. 
This company is harassing me by saying I owe a debt that is an ALLEGED OBLIGATION and also violated the law by communicating with me at an unusual place and time known by me, THE CONSUMER.