Consumer complaint received 2024-08-30
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (FL)

Equifax has failed to confirm the accuracy of this collection account. This is a violation of the FRCA 15 U.S.C. 1681 S as there is a responsibility to accuracy in a consumer report or it must be deleted. 

I have enclosed a copy of my Equifax report, in which this erroneous account is reporting. 

- Per my Equifax report obtained on XXXX XXXX this account was opened on XX/XX/XXXX. However, the payment status from XX/XX/XXXX, is unknown. What was the payment status from XX/XX/XXXX, to XX/XX/XXXX? 

- This account is reporting as a Rental Loan. This account is reporting monthly as a late payment. This is incorrect information. 

- The date of first delinquency is listed as XX/XX/XXXX. How was this date determined? 

- This appears to be reporting as a joint account. Who is the other joint party? 

If this is not corrected, I will have no other recourse, but to seek assistance of a legal professional to pursue for monetary damages. I am attempting in good faith to have this matter rectified. It is my understanding per violation there is a {$1000.00} damage award per the Fair Credit Reporting Act. 

Please supply the information below so that I can be fully informed : Why you think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 

If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time, it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. 

Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 

The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 
State the amount of the debt when you obtained it, and when that was. 
If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. 
If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. 
If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. 
Tell me when the creditor claims this debt became due and when it became delinquent. 
Identify the date of the last payment made on this account. 
Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that. 

I have asked for this information because I have some questions. I need to hear from you to make an informed decision about your claim that I owe this money. I am open to communicating with you for this purpose. To make sure that I am not put at any disadvantage, in the meantime please treat this debt as being in dispute and under discussion between us. 


Thank you for your cooperation.