Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Equifax Name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, NC XXXX Email : XXXX Phone Number : XXXX Complaint Information : 1. What is the complaint about?

Credit reporting or other personal consumer reports ( background checks, employment, or tenant screening ) 2. What type of credit reporting product?

Credit Reporting 3. Issue : Improper use of your report ( shared without consent, credit inquiries from unknown sources ) 4. What best describes your problem?

Reporting company used your report improperly ( obtained or used for purposes that arent allowed by law ) 5. Have you tried to fix this problem with the company?

Yes 6. Did you request information from the company?

Yes 7. Did the company provide this information?

No Detailed Complaint Description : I am writing to formally dispute the account information being reported on my credit report by XXXX XXXX XXXX dba XXXX. I have reviewed my credit report and found the following inaccuracies, which I believe are erroneous and not reflective of my credit history. The details of the disputed account are as follows : Account Number : XXXX Original Creditor : XXXX XXXX XXXX dba XXXX Current Creditor : XXXX Balance : {$3800.00} Finance Charges : Not specified in the settlement offer According to the Fair Credit Reporting Act ( FCRA ), Section 611, they are required to ensure the accuracy and completeness of the information they provide to the credit reporting agencies. I am disputing this account for the following reasons : 1. No Contractual Agreement : I have no record or recollection of any account with XXXX XXXX XXXX dba XXXX. There is no contractual agreement that indicates I have any obligation to this debt.

2. Request for Validation : If XXXX believes that the information is accurate, I am requesting that they provide the following documentation as proof : A copy of the original signed contract or agreement with XXXX XXXX XXXX dba XXXX. 
Documentation showing the full payment history, including any finance charges and how the amount due was calculated. 
Proof that XXXX has the legal right to collect this debt, including the chain of custody of the account. 
3. FCRA Compliance : Under the FCRA, XXXX must verify the accuracy of this information. They should provide a detailed account of all steps taken to ensure the proper use of consumer reporting. If they can not verify the accuracy of the information, it must be removed from my credit report immediately.

4. Violation of Consumer Rights : Reporting inaccurate information without proper verification violates my consumer rights under the FCRA. Therefore, I am demanding that this account be permanently deleted from my credit report to avoid further damage to my credit score. 

Furthermore, I have notified XXXX to cease and desist all forms of communication with me through email, text, or phone calls. All future communications must be conducted in writing only. If they can not provide the requested proof within 30 days, the information must be removed from my credit report in compliance with the FCRA.

Desired Resolution : I demand that the account be permanently deleted from my credit report and that XXXX cease all improper communications. Additionally, I request an investigation into the practices of XXXX regarding their compliance with the FCRA.