Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

Hi, I have cut and paste the response the XXXX clearly stating at the end of their response out right refusing to furnish a Validation of Debt letter. This is the law and my right, and XXXX should be held accountable for this violation. See below : The debt associated with the account ending in XXXX is valid. XXXX XXXXXXXX XXXX  XXXX, owns the account and has not sold it as of the date of this letter. For reference, we enclosed : Page 1 of 55 of the application ; the additional pages are not provided as they contain proprietary information and are unrelated to your request. The Cardmember Agreement The last three account statements Weve sent updated information to the credit reporting agencies We show your account was opened on XX/XX/XXXX, and no account information was reported before that date. The account was charged off on XX/XX/XXXX, due to non-payment. The debt has not been discharged. We reviewed your account and found that an update is needed for the reporting to the credit reporting agencies. Weve sent the updated information to the agencies for their records. The account should show : XXXX We updated the payment history for XX/XX/XXXX from 121-150 to 151-180 days past due and XX/XX/XXXX from 121-150 to 181-210 days past due We confirmed the remaining credit reporting agencies not reporting your account information or no update is necessary. We respectfully decline you request to stop reporting your account to the credit reporting agencies or delete the account. Allow sufficient time for the update, then request a new copy of your credit report. If you find an error, let the specific agency know. Heres the contact information for the four credit reporting agencies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX XXXXXXXX XXXX Your account is not eligible for Form XXXX The Form XXXX has not been issued on the account and is not warranted at this time. Please be advised that XXXX prepares and files tax forms pursuant to Internal Revenue Service ( IRS ) guidelines and not pursuant to a customer request. Such a form would only be prepared and filed under the appropriate circumstances. Based on the information you provided and XXXX own internal review, we can not identify any circumstances warranting the preparation and filing of the requested Form XXXX. You may be eligible for payment assistance Your account may be eligible for payment assistance. If you are interested, please contact our Internal Recovery ( IRU ) team at XXXX. They are available Monday through Friday XXXX XXXXXXXX XXXX XXXX XXXXXXXX. XXXX XXXX. There are no fees or charges billed prior to your account open date of XX/XX/XXXX. We decline your request for fee waivers. We deny violating any state or federal laws. This letter is sent only in response to your inquiry and is not an attempt to collect any outstanding debt. Unless you have additional concerns, we will not be responding to another request from you to validate your debt.