Consumer complaint received 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am writing to dispute the accuracy of the information being reported by your agency regarding the collection account listed on my credit report. According to the Fair Credit Reporting Act ( FCRA ) Section 1681b ( a ) ( 3 ) ( A ), I am entitled to information on the purpose of the collection account. It is my understanding that you must provide this information upon request. 
The purpose for which this collection account is being reported is unclear to me, and as a responsible consumer, I believe it is my right to have a clear understanding of the debt being collected. Therefore, I am requesting that you provide me with the following information : The original creditor 's name and address. 
The original account number associated with this debt. 
A detailed explanation of the nature of the debt and the reason for its collection. 
Any supporting documentation or evidence validating the legitimacy of this debt. 
Please note that under the FCRA Section 809 ( b ), you are required to provide me with the above information within 30 days of receiving this letter. Additionally, during the investigation period, you must cease any and all collection activities related to this account until the required information is provided. 
If you fail to respond to this request within the specified timeframe or can not provide the necessary information to substantiate this debt, I request that you remove the collection account from my credit report promptly. This is to ensure the accuracy and integrity of the information being reported to credit bureaus, as mandated by the FCRA. 
Moreover, I remind you that misreporting or inaccurately verifying information on my credit report is a violation of federal law and subjects your agency to potential penalties and legal action. 
I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. 
You were advised by me by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Please forward all relevant information and correspondence regarding this collection account to the address provided above. I prefer written communication to maintain a clear record of our interactions. 
Thank you for your prompt attention to this matter. I trust that you will handle this dispute with the utmost professionalism and compliance with the applicable laws. I look forward to receiving the requested information within the specified timeframe.