Consumer complaint received 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Dispute of Unauthorized Information To Whom It May Concern : I am writing to dispute unauthorized information that has been reported to my credit file. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I request an investigation into the following accounts : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX I hereby affirm that I have not provided consent, either explicitly or implicitly, for the furnishing of my information to these entities mentioned above. Additionally, I have not entered into any contractual agreements with these organizations that would authorize them to report information regarding my accounts. 

Furthermore, I demand validation of these debts as per the FDCPA, and I request that you provide proof of the alleged debts, including but not limited to copies of the original contracts or agreements bearing my signature. 

I urge you to conduct a thorough investigation into the validity and accuracy of the information being reported and to take appropriate action to rectify any inaccuracies or unauthorized reporting. I expect prompt resolution of this matter in accordance with the FCRA and FDCPA. 

Please provide written confirmation once the investigation is complete and any inaccuracies have been corrected. Additionally, I request that you provide me with a copy of my updated credit report reflecting these changes. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX This letter is being sent to you regarding accounts Equifax Information Services LLC - XXXX XXXX XXXX XXXX, GA XXXX XXXX - XXXX XXXX XXXX, XXXX, TX XXXX XXXX - XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is not a request for verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with evidence that I have any legal obligation to pay you, including the following documentation : 1. Agreement with the creditor that authorizes you to collect on this alleged debt.

2. The agreement bearing my signature stating that I have agreed to assume the debt ; 3. Valid copies of the debt agreement stating the amount of the debt and interest charges ; 4. Proof that the Statute of Limitations has not expired : 5. Complete payment history on this account along with an accounting of all additional charges being assessed ; 6. Proof that you are licensed to collect in my state : and 7. Your license numbers and Registered Agent.

8. Copy of original contract 9. Copy of payment history 10. Name and address of original creditor 11. Proof of debt assignment At this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( Equifax, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character If your office fails to reply to this debt validation letter within thirty ( 30 ) days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempta to collect on the said debt must be ceased.

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees i am forced to bring this matter before a judge.

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states i have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a
creditor may not treat a payment on a credit card account under an open end consumer credit plans as late for any purpose Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation