Consumer complaint received 2024-03-05
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. (GA)

SECOND NOTICE FOR XXXX XXXX XXXX XXXX Debt Description : XXXX Proposed amount : {$230.00} A complaint was filed with the CFPB in regards to this 3rd party debt collector. They are still sending me letters for demand for payment with possible judgement. They have not answered the last complaints filed by me, the respondent. I have attached a notarized, recorded, and certified letter from my local county court house that is a Demand for Validation of Debt as well as a Cease and Desist letter for XXXX XXXX XXXX XXXX. I have sent them the same letter for a SECOND NOTICE certified mail with return receipt. Please see attachment. If they do not respond with the demand for each requirement listed in the certified letter and update to the three credit bureaus [ EQUIFAX, XXXX, AND XXXX ] within 30 days to remove and delete account and amount, then further escalation will occur and civil penalties will apply. 

It is my strong belief that the company has violated the laws below and demand for performance of Validation of Debt must be completed and returned.

Important Definitions from 15 U.S. Code 1681a - Definitions ; rules of construction The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. 

The term consumer means an individual. 
The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ( 2 ) Exclusions ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Reporting Transaction history is illegal 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

They need your written consent to add anything to your consumer report if you did not give this authorization that is a violation of the Fair Credit Reporting Act P.L 90-321 ( 82 Stat. 146 ) which is law law that backes the code is even stricter as it states that any agency can only get your report in response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ) Privacy Act of 1974 ( 5 U.S. Code 552a ) Important Definitions ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; This includes consumer reports ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31.

Again they need prior written instruction of the individual to whom it relates. 

I declare and decree full compliance of the companies XXXX XXXX XXXX XXXX, Equifax, XXXX, and XXXX. SECOND NOTICE FOR XXXX XXXX XXXX XXXX Debt Description : XXXX Proposed amount : {$230.00} A complaint was filed with the CFPB in regards to this 3rd party debt collector. They are still sending me letters for demand for payment with possible judgement. They have not answered the last complaints filed by me, the respondent. I have attached a notarized, recorded, and certified letter from my local county court house that is a Demand for Validation of Debt as well as a Cease and Desist letter for XXXX XXXX XXXX XXXX. I have sent them the same letter for a SECOND NOTICE certified mail with return receipt. Please see attachment. If they do not respond with the demand for each requirement listed in the certified letter and update to the three credit bureaus [ EQUIFAX, XXXX, AND XXXX ] within 30 days to remove and delete account and amount, then further escalation will occur and civil penalties will apply. 

It is my strong belief that the company has violated the laws below and demand for performance of Validation of Debt must be completed and returned.

Important Definitions from 15 U.S. Code 1681a - Definitions ; rules of construction The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. 

The term consumer means an individual. 
The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ( 2 ) Exclusions ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Reporting Transaction history is illegal 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

They need your written consent to add anything to your consumer report if you did not give this authorization that is a violation of the Fair Credit Reporting Act P.L 90-321 ( 82 Stat. 146 ) which is law law that backes the code is even stricter as it states that any agency can only get your report in response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ) Privacy Act of 1974 ( 5 U.S. Code 552a ) Important Definitions ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; This includes consumer reports ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31.

Again they need prior written instruction of the individual to whom it relates. 

I declare and decree full compliance of the companies XXXX XXXX XXXX XXXX, Equifax, XXXX, and XXXX. Please see attachment below. I bind and rebuke the unfair practices of credit agencies and companies violating the rights of consumers in XXXX name.In XXXX Name.