Consumer complaint received 2024-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX has not responded to my complaint in over 60 days. Below is the proof that the complaint was sent. Confirmed by CFPB. See complete report below.Please remove this account from my credit report. 

XXXX OPEN Submitted STATUS Submitted to the CFPB on XX/XX/year> PRODUCT Debt collection ISSUE Written notification about debt We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT To whom it may concern, XXXX. XXXX XXXX has not provided validation information for the collection on my consumer report, 12 CFR 1006.34 ( b ) ( 5 ). 2. XXXX XXXX has not given me the opportunity to dispute this account, 12 CFR 1006.34 ( c ) ( 4 ) ( i ) 3. This is a violations of my consumer rights by XXXX XXXX, including the use of false, misleading, and deceptive means. 4. According to 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) First Choice is in clear violation of the law by furnishing accounts to my credit report without providing required disclosures. I am disputing owing any and all debts to XXXX XXXX, I XXXX XXXX is also revoking all rights of First Choice from communicating with me through email, text or calls. I am requesting debt validation. I am also requesting the purchase agreement between XXXX XXXX and the original creditor. I am also requesting that they furnish proof that they are licensed and bonded in the state of California. 

Hide full complaint What product or service is your complaint about? 
PRODUCT OR SERVICE Debt collection TYPE Credit card debt What type of problem are you having? 
Inactive modal ISSUE Written notification about debt HAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THE COMPANY? 
No TYPE OF ISSUE Didn't receive notice of right to dispute What happened? 
To whom it may concern, XXXX. XXXX XXXX has not provided validation information for the collection on my consumer report, 12 CFR 1006.34 ( b ) ( 5 ). XXXX. XXXX XXXX has not given me the opportunity to dispute this account, 12 CFR 1006.34 ( c ) ( 4 ) ( i ) 3. This is a violations of my consumer rights byFirst Choice, including the use of false, misleading, and deceptive means. 4. According to 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) First Choice is in clear violation of the law by furnishing accounts to my credit report without providing required disclosures. I am disputing owing any and all debts to XXXX XXXX, I XXXX XXXX is also revoking all rights of First Choice from communicating with me through email, text or calls. I am requesting debt validation. I am also requesting the purchase agreement between XXXX XXXX and the original creditor. I am also requesting that they furnish proof that they are licensed and bonded in the state of California. 


I WANT THE CFPB TO PUBLISH THIS DESCRIPTION ON CONSUMERFINANCE.GOV SO THAT OTHERS CAN LEARN FROM MY EXPERIENCE. 

The CFPB will take steps to remove my personal information from this description but someone XXXX still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps. 
Inactive modal What would be a fair resolution to this issue? 
Please remove this account from my credit report in the next 14 days What company is this complaint about? 
COMPANY INFORMATION XXXX XXXX XXXX XXXX XXXX 
INVOLVEMENT Debt Collector What people are involved? 

YOUR CONTACT INFORMATION XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, California XXXX United States YOUR PREFERRED LANGUAGE English Sent to company STATUS Sent to company on XX/XX/year> We've sent your complaint to the company, and we will let you know when they respond. 

Their response should include the steps they took, or will take, to address your complaint. 

Companies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days. 

No company response STATUS Company has not responded to your complaint XX/XX/year> The company has not responded to your complaint. 

We forwarded your complaint to the company, and unfortunately, they have not provided a final response. The CFPB tracks which companies do and do not respond to complaints. We will attempt to contact the company again. We will let you know if the company responds.

Company response to consumer: Closed with explanation