Consumer complaint received 2024-10-09
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

Upon completion of the complaint on XX/XX/year> Equifax is illegally allowing EASTERN ACCOUNT SYSTEM to collect a debt on behalf of XXXX XXXX also known as Xfinity for {$140.00}. XXXX is also illegally allowing ICS system to collect the same debt on behalf of XXXX XXXX also known as XXXX for {$140.00}. Both credit Bureaus are allowing debt collectors to collect using different corporations which can not collect debt as a third party affiliate. 
After the initial CFPB complaint all items were removed from ALL bureaus including XXXX and Equifax. On XX/XX/year>, XXXX advised the account is not currently reflecting on my credit reporting and a letter was mailed to my address on record. On XX/XX/year>, I received an important notice alert from XXXX  XXXX advising a new trade line listed as XXXX XXXX XXXX  was added to my XXXX report no longer reporting as XXXX! ACCOUNT XXXX. The original creditor is XXXX XXXX XXXX also know as XXXX  and XXXX XXXX XXXX is using illegal debt collection tactics to try and collect debts that were previously disputed and removed. XXXX and Equifax has constantly disregarded the XXXX XXXX XXXX XXXX which clearly states they can not add the item back unless more documents are provided and I am notified.. 15 U.S.C 1681 section ( 604a ). Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Now, I have limited faith in XXXX and Equifax accuracy reporting due to the exposure of my personal information after verbally OPTING out of sharing with non-affiliated third parties. 16 CFR 313.7 ( f ) I have the right to opt-out at anytime. 16 CFR 313.10 states you may not, directly or through any affiliate, disclose any nonpublic personal information about a consumer to a nonaffiliated third party unless the consumer was provided a reasonable opportunity to respond. Please remove XXXX XXXX XXXX and XXXX XXXX XXXX trade from my credit report COMPLETELY both XXXX and Equifax. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S.C 6802 states a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. XXXX XXXX XXXX  and XXXX XXXX XXXX violates UCC 9-109 ( d ) ( 5 ) which states that no creditor can transfer an assignment of accounts, payment intangibles, or promissory notes which is for collection onlyXXXX XXXX XXXX XXXX  and Eastern Account System is to provide the direct contract in which they are authorized to request a payment and NOT a debt collector in which whom bought a debt. XXXX XXXX XXXX  and XXXX XXXX XXXX must confirm they are not attempting to collect debt for the same corporation. If you verify this inaccuracy for the credit bureaus without providing me with all of the said listed items you violate the law, which carries a fine of { {$1000.00} } per violation. XXXX is in violation and must provide a payment of {$5000.00} to the address on record. 15 U.S.C 1681 section ( 602a ) states, I have the right to privacy. Any communications not received by certified mail under the Penalties Of Perjury will be refused for course without dishonor and defective upon its face. Failure to substantiate the claim under Penalties Of Perjury, please settle this account immediately within ( 15 ) days. Notice To Agent notice to principal All Rights Reserved Without Prejudice U.C.C 1-308.