Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I reviewed my consumer reports and noticed that i have inaccurate information on my credit report continuing to be reported on my account inaccurately. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts has violated my rights. 15 U.S.C 1681 section XXXX A. XXXX I have the right to privacy. and according to 15 USC 1681eb they are supposed to ensure this Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S.C 1681c. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 15 U.S.C. 16815-2 ( XXXX ) 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. 

Several dispute letters have been sent out to Equifax requesting the following information used to verify the validity of the accounts and has yet to be provided. 

Please send the following information used to verify the validity of the accounts listed below : XXXX. The name of the original creditor XXXX. The creditors address and telephone number. 
XXXX. The person 's name they verified the dispute with including date and time. 
XXXX. All documentation used to verify the dispute and that the debt belongs to me. 

Validation letters have been sent out XXXX XXXX agency twice and the second request i did not receive any response or requested information that was requested. The following information requested is down below. 

Please attach copies and provide me with the following : XXXX. An explanation showing what the money you say I owe is for. 
XXXX. An explanation of how you calculated what you say I owe. 
XXXX. Copies of papers that show I agreed to pay you what you say I owe. 
XXXX. A verification or copy of any judgement if applicable. 
XXXX. Alleged account number XXXX. Proof that you can identify the original creditor. 
XXXX. An original consumer contract with my handwritten signature on it. 
XXXX. Proof that the XXXX of Limitations has not expired on this account. 
XXXX. Proof that you are licensed to collect in Texas. 
XXXX. Provide your license numbers and XXXX XXXX. 
XXXX. Verifiable proof of my identification XXXX. Verifiable proof of my full, complete, and correct social security number. 
XXXX. Letter of sale or assignment from the original creditor to your company. 

Information provided by procollect has incorrect name and XXXX different social security numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exorcise my right under FRCA, Section XXXX, and pursue legal action.