Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CO)

Validation of a Debt Request Pursuant to 15 USC 1692gb, Cease and Desist Pursuant 15 USC 1692 ( C ) Personal Information XXXX. XXXX XXXX - This personal information is incorrect- please remove it from my consumer report immediately. 

XXXX. XXXX XXXX XXXX - This personal information is incorrect- please remove it from my consumer report immediately. 

XXXX. XXXX XXXX XXXX - This personal information is incorrect- please remove it from my consumer report immediately. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX- This personal information is incorrect - please remove it from my consumer report immediately. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX- This personal information is incorrect - please remove it from my consumer report immediately. 

XXXX. XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX - This personal information is incorrect - please remove it from my consumer report immediately. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - This personal information is incorrect - please remove it from my consumer report immediately. 


Accounts XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX, Account # XXXX - This account is being reported inaccurately, please remove this from my credit report immediately. 

XXXX. XXXX XXXX, Account # XXXX - This account is being reported inaccurately, please remove this from my credit report immediately. 

XXXX. XXXXXXXX XXXX XXXX, Account # XXXX - This account is being reported inaccurately, please remove this from my credit report immediately. 

XXXX. XXXX XXXX XXXX XXXX, Account # XXXX - This account is being reported inaccurately, please remove this from my credit report immediately. 


Inquiries XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXX/XX/2024 - This inquiry was not authorized, please remove it from my consumer report immediately. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/2024 - This inquiry was not authorized, please remove it from my consumer report immediately. 

XXXX. XXXX XXXX, XX/XX/2024 - This inquiry was not authorized, please remove it from my consumer report immediately. 

Sincerely, XXXX XXXX Please be advised that I hereby dispute the validity of the alleged debt listed above in its entirety. Further, I request verification of the alleged debt, specifically, a copy of a contract or agreement. Said contract or agreement must be with the original creditor and signed by all parties involved. You are illegally attempting to collect the above-listed alleged debt and money that I do not owe. 
Cease and desist all collection activity, including all reporting to consumer reporting agencies. Promptly request deletion of any and all prior reporting made to any consumer reporting agencies. If you comply with my requests above within 30 days, then you are excused from verification. 
Furthermore pursuant 15 USC 1692 ( e ) ( 3 ) False or misleading representations 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 : The false representation or implication that any individual is an attorney or that any communication is from an attorney.

Furthermore, you are attempting to collect an alleged debt where the so-called original creditor has falsely represented the character and other violations under 15 USC 1692e that you are implementing yourself. 
Violation : 15 USC 1692b ( 5 ) 15 USC 1692 ( 2 ) ( A ) 15 USC 1692e ( 3 ) 15 USC 1692 ( 6 ) ( B ) 15 USC 1692 ( 9 ) 15 USC 1692 ( 10 ) 15 USC 1692 ( 11 ) This letter is cc : to the Bureau of Consumer Protection Finance as evidence may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this matter fully and receive any related information herein. Be advised, if you fail to comply with this demand letter, I may turn the matter over to an attorney. 
Note I am a very litigious consumer, and I will proceed with legal action for all my consumer rights violations under this subchapter plus all remedies and actual damages as a result of your failure pursuant 15 USC XXXX. 
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my consumer report, and a copy of such deletion request shall be sent to me immediately. 

Sincerely, XXXX XXXX The following information is required. Please fill out the form below in its entirety. 
Name and address of Alleged creditor : Name on file of alleged debtor : Alleged Account # : Address on file for alleged debtor : Amount of alleged debt : Date this alleged became payable : Date of original charge off or delinquency : Was this debt assigned to a debt collector or purchased? ____ No ____Yes Amount Paid if debt was purchased : Commission for debt if collection efforts are successful : Please attach copies of the following : Agreement with your client that grants COLLECTION COMPANY NAME the authority to collect this alleged debt. 
Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt collector.

Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor.

All statements while this account was open. 
Have any insurance claims been made by any creditor regarding this account? 
Yes No Have any Judgements been obtained by any creditor regarding this account? 
Yes No Please provide me the name and address of the bonding agent for COLLECTION COMPANY NAME, in case legal action becomes necessary : Date : ________________ _________________________ Authorized Signature of Creditor You must return this completed form along with copies of all requested information, assignments or other transfer agreements, which would establish your right to collect this alleged debt within XXXX calendar days from the date of receipt of this letter. 
Your Claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for Validation made pursuant to the Fair Debt Collection Practices Act. 
Please allow 30 calendar days for processing after I receive this information. 

Thank You, XXXX XXXX