Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I Demand Equifax & XXXX XXXX XXXX to completely delete the illegal collections that have been reporting to my credit profile. 
XXXX XXXX HAS FAILED TO PROVIDE ME THE FOLLOWING INFORMATION TO VALIDATE, not Verify... VALIDATE this Collections Account. 
I was never notified of this collection. Furthermore, I do not believe this debt is accurate at all. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt and you failed to provide me with the following within 30 days : : Therefore, this account must be deleted immediately or I will begin litigation with both Equifax and XXXX XXXX XXXX Information The Collections Agency Failed To Provide : 1 ) An explanation of what this alleged account balance is for.

2 ) A complete Audit Trail calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.

3 ) Documentation that shows I agreed to pay this debt with my signature and documentation shows I gave you permission to have my information and paperwork showing I gave you authorization to report this to my credit report. No consent to you having my information and unauthorized use of my social security number is identity theft and you will be reported for such.

4 ) The Agreement that grants you authority to collect on this alleged debt.

5 ) A copy of your state license, including license number that gives you rights to collect in my state.

6. The purchase agreement along with identity verification provided at the time of purchase 7. ( Swear under penalty of perjury you were present during the alleged debt ) 8. ( Demand You provide Chain of Custody for account to ensure the financing and hand to hand transfers is correct ) 9. ( Master Bill Of Sale ) XXXX Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 
Also you have committed the following FDCPA Violations you are sending deceptive forms making false belief that I owe you.

15 U.S. Code 1692j - Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. I am not participating in the collection of this alleged debt. 
Stop contacting me about this or any other matter you have. Cease and Desist ASAP, except to provide me with accurate validation of this debt by U.S. mail only, not the same insufficient docs you already sent. Delete this unverified and inaccurate account from my credit report immediately.

I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and XXXX XXXX XXXX XXXX to have confirmation of proof in case I needed to proceed with litigation. 
I already gave you 20 days to respond and you failed to do so therefore, this collections must be removed from my credit profile immediately or my lawyer & I will seek Monetary compensation damages for the violations you already committed. 
Sincerely,