Consumer complaint received 2015-08-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (GA)

RE : XXXX XXXX XXXX ( XXXX ) /XXXX ( XXXX ) In response to CORRESPONDENCE RECEIVED FROM : XXXX XXXX XXXX : Dated : XXXX XXXX XXXX ( Enclosed ) / Correspondence received from XXXX : Dated : XXXX XXXX XXXX Report number : XXXX - Results : Outcome UpdatedTHIS notice is sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec . 809 ( b ) that claim for : XXXX XXXX XXXX and XXXX XXXX XXXX is disputed and validation is requested. Therefore, I would like to request an arbitration hearing to resolve this issue. Fair Debt Collection Practices Act : The Consumer Protection Act was amended in XXXX to include the Fair Debt Collection Practices Act ( Public Law 104-208, 110 Stat. 3009 [ XXXX ] ). Congress passed the law to address the abusive, deceptive, and unfair debt collection practices used by many debt collectors. 
As per your investigation, upon your review of my credit reports, from : ( XXXX/Equifax/ XXXX ) Simultaneously, XXXX XXXX XXXX and XXXX XXXX XXXX ( Unverified and InCreditor /or Collection agency are reporting that I owe both creditors a debt. I am in dispute of this inaccurate billing error. Without question, technically, there is apparently a Contract billing error, and /or fraudulent billing practices. I never had a contract with XXXX XXXX XXXX. This account is of dispute. 
Clearly, the impact of these Fair Credit Billing Act/ and the Fair Credit Reporting Act Violations, /have tremendously affected every aspect of My ( XXXX XXXX 's ) consumer rights in the marketplace. It is evident that these companies ( XXXX XXXX XXXX or XXXX XXXX has engaged in illegal billing tactics. Consumers must be protected from illegal debt collection practices used by debt XXXX. How can a company be allowed to do this? This Illegal billing practice makes questionable, that this inaccurate account is disputed, and that this account could possibly also:1 ) include hidden fees, 2 ) unauthorized charges and charging twice for the same service or product. I have yet to receive a detailed summary of the corrected diminished value for this account in accordance to : With attention to, THIS notice is sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) / and Motor Vehicle Warranty Rights Act Authored By : Governor 's Office of Consumer Affairs : The Governor 's Office of Consumer Affairs administers Georgia 's Motor Vehicle Warranty Rights Act, also known as the Lemon Law. The Lemon Law applies only to new motor vehicles purchased, leased, or registered in Georgia since XXXX XXXX, XXXX. The Lemon Law provides a complaint process for consumers to follow if defects, or repair problems, exist and the manufacturer is unable or unwilling to address the defect or defects. Therefore this notice is sent to inform you that your claim is disputed and validation is requested. As per the following this account is, " invalid due to breach of warranty. " RE : VIN XXXX/ CLAIM No. XXXX XXXXClaim Form : XXXX Claim Form/Case Name : In re : XXXX XXXX XXXX XXXX Unintended Acceleration Marketing, Sales Practices, and Products Liability Litigation, Case No. XXXX XXXX ( XXXX ) Case Summary : The plaintiffs alleged that XXXX produced vehicles that were subject to unintended acceleration in violation of a lot of laws. XXXX denies the allegations but settled the case before the case was decided by a court. 
Manufacturers which issue warranties for consumer products in the United Statesare required to abide by the terms of Public Law 93-637, the Magnuson-Moss Warranty Act ; 15 U.S.C. 2301 et seq. ( hereinafter referred to as Magnuson-Moss ).