Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

I am writing to dispute certain debts that are currently being reported on my credit report and to request validation of these debts, as provided under 15 U.S. Code 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). This letter is also in reference to the legal precedent set in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Upon reviewing my credit report, I have identified discrepancies and inaccuracies in the reporting of certain debts. These inaccuracies are not only damaging to my credit score but also appear to be willful and persistent violations of the Fair Debt Collection Practices Act by both your agency and the furnishers of this information. 

The XXXX case highlights the importance of accurate and fair credit reporting. In my case, despite providing substantial evidence highlighting errors, the inaccurate and incomplete information continues to be furnished by both your agency and the furnishers. This persistent disregard for the accuracy of credit reporting is alarming and may be in direct violation of the FDCPA. 

I have previously contacted the furnishers and requested the following information to validate the debts and correct the inaccuracies : 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 XXXX XXXX file from the Original Creditor for third-party collections Documentation indicating whether the Furnisher filed an insurance claim or if a XXXX has been filed License to collect in my state I am attaching copies of the evidence I provided to the furnishers, highlighting the errors and inconsistencies in the reporting. Despite my efforts, the inaccurate information persists on my credit report. 

Under 15 U.S. Code 1692g ( b ), I request that you conduct a thorough investigation into the validity of the debts in question and provide me with the following : Verification and documentation of the debts in question, including any relevant agreements or contracts. 
Proof that the furnishers have XXXX XXXX XXXX XXXX. 
A copy of the Bill of Assignment file from the Original Creditor for third-party collections. 
Documentation indicating whether the Furnisher filed an insurance claim or if a XXXX has been filed. 
Verification of the XXXX 's license to collect in my state. 
I expect your agency to comply with the FDCPA and conduct a prompt and fair investigation into this matter. Failure to do so may result in legal action, as provided under the FDCPA. I trust that your agency will take this matter seriously and rectify the inaccuracies on my credit report in a timely manner. 

Please provide a written response within XXXX  days of receiving this letter, as required by the FDCPA. If you determine that the information is accurate, please provide a detailed explanation of your findings. If you find that the information is indeed inaccurate, I request that you promptly update my credit report accordingly. 

Thank you for your immediate attention to this matter. CREDIT REPORTS BEEN PROVIDED.