Consumer complaint received 2017-01-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (PA)

I pulled my credit report recently and noticed there was negative accounts that do not belong to me. I have sent out dispute letters to the following creditors : XXXX XXXX : I sent dispute letter on XXXX/XXXX/XXXX. Agent signed on XXXX/XXXX/XXXX. VIOLATIONS : ( 1 ) Why : Failed to mark my credit report disputed within 30 days. Law : FCRA Section 623 ( A ) ( 3 ). ( 2 ) Why : Defamation, financial injury. Law : US Court of Appeals, XXXX Circuit, No. XXXX, XXXX vs. XXXX XXXX. 
XXXX : I sent dispute letter on XXXX/XXXX/XXXX. XXXX signed on XXXX/XXXX/XXXX. Did not provide " validation '' ; that is competent evidence bearing my signature, showing that i have ( or ever had ) some contractual obligation to pay XXXX. VIOLATIONS : ( 1 ) Why : Defamation of financial injury. Law : US Court of Appeals, XXXX Circuit, No. XXXX, XXXX vs. XXXX XXXX. 
XXXX : I sent dispute letter on XXXX/XXXX/XXXX. Agent signed on XXXX/XXXX/XXXX. Did not provide contract bearing my signature or valid proof that debt belongs to " me ''. 
XXXX : I sent dispute letter on XXXX/XXXX/XXXX. Letter was undelivered due to invalid address. I sent photocopy of undelivered letter to XXXX, Equifax, XXXX. XXXX has removed negative item. XXXX, Equifax have failed to remove negative item. 
Second Round : I sent dispute letter on XXXX/XXXX/XXXX. Collection company has bought XXXX. Same negative account and has not removed after sending dispute letter. 
XXXX : I sent dispute letter on XXXX/XXXX/XXXX. Agent signed on XXXX/XXXX/XXXX. Both companies are claiming to be different collectors when they are showing the same address on my credit report. Violation : XXXX v. XXXX v. XXXX, XXXX XXXX XXXX. XXXX, XXXX, ( XXXX, XXXX XXXX ). 
XXXX : I sent dispute letter on XXXX/XXXX/XXXX. XXXX signed on XXXX/XXXX/XXXX. Did not provide valid proof that debt belongs to " me ''. Did not provide contract bearing my signature but still is reporting to credit bureaus that debt is " legitimate ''. VIOLATIONS : ( 1 ) Why : Defamation, financial injury. Law : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX. XXXX, XXXX vs. XXXX XXXX. ( XXXX ) Why : Consumer protection afforded by the FDCPA. Law : FDCPA Section 809 ( b ) FTC opinion letter XXXX from XXXX. 
XXXX : I sent dispute letter on XXXX/XXXX/XXXX. Agent signed on XXXX/XXXX/XXXX. Did not provide valid proof that debt belongs to " me ''. Did not provide contract bearing my signature but still reports to credit bureaus that debt is " legitimate ''. VIOLATIONS : ( 1 ) Why : For contacting a relative of mine via phone to request payment of a debt that is not mine. Law : FDCPA Section 805 ( b ). ( 2 ) Why : XXXX XXXX pulled my credit report without authorization or signature which has caused injury to my credit report and score. Law : FCRA Section 604 ( A ) ( 3 ). 
( 3 ) Why : Consumer protection afforded by the FDCPA. Law : US Court of Appeals, XXXX Circuit, No. XXXX, XXXX vs. XXXX XXXX. ( 4 ) Why : Consumer protection afforded by the FDCPA. Law : FDCPA Section 809 ( b ) FTC opinion letter XXXX from XXXX. 
Credit Bureaus : Equifax : I received my credit report dispute with Confirmation # XXXX on XXXX/XXXX/XXXX via email claiming negative accounts that i have listed were " validated '' or " legitimate ''. VIOLATIONS : ( 1 ) Why : Defamation, willful injury. Law : FCRA Section XXXX XXXX, v. XXXX US Court of Appeals for the XXXX Circuit Court Case XXXX XXXX XXXX XXXX XXXX, XXXX, Filed ( XXXX No. XXXX ). 
XXXX : I received my credit report dispute with file # XXXX on XXXX/XXXX/XXXX via online claiming the negative accounts are " legitimate ''. VIOLATIONS : ( 1 ) Why : Defamation, willful injury. Law : FCRA Section XXXX XXXX, v. XXXX US Court of Appeals for the XXXX Circuit Court Case XXXX XXXX XXXX XXXX XXXX, XXXX, Filed ( XXXX No. XXXX ). 
I am maintaining a careful record of my communications with EVERYONE