Consumer complaint received 2023-12-21
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. (FL)

XXXX I emailed a company whom I found on my consumer report requesting information. 
XXXX Company responded asking for personal information to confirm my identity XXXX I responded via email confirming my identity XXXX Company responded via email and sent move out photos, lease agreement and closing statement XXXX I informed the collection agency via email that the landlord declined my right to retrieve my personal property. 
XXXX Company responded via email for me to provide proof. 
XXXX I informed the company via email to provide the evidence/documentation that my personal belongings were held in a storage unit. 
XXXX Company sent me via email that I needed to reach out to the original company myself. 
XXXX I informed the XXXX XXXX XXXX XXXX XXXX that it was their responsibility to provide me with the information. 
XXXX XXXX XXXX XXXX  XXXX XXXX informed me that they have already provided the information and that as far as my personal property I needed to go reference section 35 on the lease! 
XXXX I responded to the company that, As per Section 83.67 of the Florida Statutes, a landlord can not include provisions in the lease agreement that waive or limit a tenant 's right to retrieve their personal belongings after eviction or termination of tenancy. It is my understanding that any provision in the lease or rental agreement that attempts to modify or waive a tenant 's rights under Chapter 83 is deemed void and unenforceable. In light of this information, I would appreciate it if you could provide evidence that my personal property is or was in storage. 
XXXX I followed up with this company via email. 
XXXX They responded stating that XXXX  XXXX were gathering my information that I requested XXXX I sent via email thank you XXXX They sent a few other documents that I requested. However, none of the documents included my personal property was held in any type of storage. 
XXXX I responded via email Im requesting, XXXX XXXX XXXX XXXX to provide me with documentation confirming my written consent, as required by 15 USC 1681 Section 604A Section 2. It has come to my attention that there may be a violation of Section 809 of the Fair Debt Collection Practices Act ( FDCPA ) in connection with the collection of the debt. Specifically, there has been a failure to provide pertinent information concerning my right to dispute this debt! 
Under the Fair Credit Reporting Act ( FCRA ), it is explicitly states that information can not be furnished on a consumer report without obtaining written permission from the consumer. In accordance with this regulation, I kindly request a copy of the document bearing my signature that grants permission for the furnishing of information on my consumer report! As a representative of XXXX XXXX XXXX XXXX, you initially advised me to request documentation from XXXX XXXX, which is your responsibility. Without my awareness of my rights, the necessary information might not have been provided. Furthermore, I would like to address the issue of retrieving personal belongings. As per Section 83.67 of the Florida Statutes, I kindly request that you include any relevant documentation or information that supports the storage of my personal belongings. I have previously communicated that the debt pursued by XXXX XXXX XXXX XXXX is linked to a landlord facing alleged legal violations. It is within your responsibility, in accordance with the Fair Debt Collection Practices Act ( FDCPA ), to thoroughly investigate!