Consumer complaint received 2024-03-03
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. (NY)

content of notice Equifax Information Services LLC Dispute Resolution Department XXXX XXXX XXXX XXXX, GA XXXX Date : XX/XX/XXXX Notice to Agent is Notice to Principal ; Notice to Principal is Notice to Agent. 

Subject : Advanced Dispute and Compliance Verification Request XXXX XXXX XXXX XXXX XXXX 's Reporting on Account Ending in XXXX To Whom It May Concern, I am composing this correspondence to articulate an advanced dispute concerning the credit reporting executed by XXXX XXXX XXXX XXXX XXXX, specifically pertaining to the account with the terminal digits XXXX. This matter requires your immediate and scrupulous attention due to its multifaceted nature and the potential ramifications stemming from apparent discrepancies that are suggestive of noncompliance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Upon meticulous examination of my credit report and juxtaposing it with notifications from my credit monitoring application, I have unearthed inconsistencies that warrant a thorough investigation and subsequent rectification. The incongruity between the account 's purported closure ( as indicated in the credit monitoring application between XX/XX/XXXX, and XX/XX/XXXX ) and its charge-off status reported on the credit file dated XX/XX/XXXX, necessitates clarification and correction. Inaccurate Payment History : The payment history section of my credit report does not accurately reflect the payments made or the current status of the account. For instance, there is an inconsistency regarding the 'Actual Payment Amount ' for the year XXXX and a reported 'Amount Past Due ' of {$310.00}, despite a 'Date of Last Payment ' in XX/XX/XXXX. Ambiguous Creditor Classification : The creditor classification for this account is listed as " UNKNOWN, '' which is vague and fails to identify the sector or type of the creditor accurately. Delay in Delinquency Reporting : There appears to be a delay in the reporting of delinquency, with the 'Delinquency First Reported " date occurring months after the 'Date of Last Activity '. The complexities of the report are manifold, including but not limited to an ambiguous creditor classification, inaccurate portrayal of payment history, and a conspicuous delay in the reporting of delinquency. The discordance within the report not only undermines the integrity of the data presented but also potentially infringes upon my creditworthiness. In accordance with the FCRA 609 ( a ) ( 1 ) and the FDCPA 809 ( b ), I hereby request comprehensive documentation that substantiates XXXX XXXX XXXX XXXX XXXX 's authorization to collect this debt. This should encompass, inter alia, any contractual agreements with the original creditor and evidence of compliance with New York State 's debt collection licensing statutes. Furthermore, I am soliciting a written attestation affirming that the debt collection practices of XXXX XXXX XXXX XXXX XXXX are in strict adherence to the FDCPA and the statutes governing debt collection within New York State. The absence of such confirmation would be indicative of a breach of conduct guidelines. Given the potential violations encapsulated in FCRA 1681n and 1681o, I assertively seek an expedited review of this matter. The repercussions of such inaccuracies have precipitated unwarranted financial and emotional duress. Henceforth, should these matters not be expeditiously and satisfactorily addressed, I anticipate the immediate excision of the account from my credit dossier. Moreover, I reserve the right to pursue recompense for the tangible and intangible turmoil engendered by this ordeal. Anticipating the statutory response posthaste, I await the rectified documentation or an acknowledgment of the need for further elucidation. Failure to resolve these issues in a satisfactory manner will compel me to consider additional recourse. 

Executed with alacrity, XXXX XXXX [ XXXX ] without prejudice, all natural inalienable rights reserved. cc : Consumer Financial Protection Bureau New York Department of Financial Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX