Consumer complaint received 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Disputed inaccurate information reporting on my consumer file with the 3 credit reporting agencies on 3 separate occasions. I first reached out to Equifax.! and XXXX concerning all of the accounts included in the attachments below and still they are reporting inaccurate information on XX/XX/XXXX. The bureaus investigated and updated the accounts but they were still reporting inaccurately, I reached out concerning the same accounts on XX/XX/XXXX and again, the bureaus updated the accounts but they were still reporting the same inaccurate data. I gave them benefit of the doubt and disputed a third time hoping to get resolution. 
And again they verified and updated the inaccurate accounts. 
I also informed the 3 bureaus that the furnishers of the information may be an unreliable source. Its impairing my ability to qualify for equal opportunity employment. 


Name of account Date opened Balance Creditors number XXXX XXXX XXXX XXXXXX/XX/XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX {$510.00} XXXX XXXX  XXXX XXXX  XX/XX/XXXX {$430.00} XXXX This letter serves as formal notice to immediately cease and desist all communication and collection activities and all collection activities related to any alleged debt associated with account provided above.

I am asserting my right under the Fair Debt Collection Practices Act ( FDCPA ) ,15 U.S.C section 1692 cc and requesting that you cease all communication with me regarding this matter except as allowed by law. 

Case law has affirmed my right to request the cessation of debt collection communications.

In Daugherty v. Convergent Outsourcing , Inc., 836 F3d 507 ( 5th Cir. 2016 ), the court ruled the consumers request to cease contact must be honored to avoid further violation of the FDCPA.

Any communication beyond what is permitted constitutes a breach of my rights under federal law.

Philips v. Capital Collection Agency, 607 Supp. 556 ( W.D.N.Y. 1985 ) Court held reporting debt information to credit bureaus after receiving cease and desist letter violates FDCPA. ell that reporting debit information to credit bureaus after 99 receiving cease and desist letter violates FDCPA.

Rosenberg v. Laventhol & Horwath, 888 F. Support. 413 ( E.D.N.Y. 1995 ) : Court ruled that furnishing info to credit reporting agencies is considered communications under FDCPA.

Additionally, the case of Clark v. Capital Credit & Collection Services , Inc. 460 Fid 1162 ( other Cir. 2006 ), reinforces the consumers right to privacy and the obligation of debt collectors to honor requests for cessation of contract. Ignoring this cease and desist demand will constitute harassment and a violation of the FDCPA.

The debt is invalid, disputed or paid in full. Confirm compliance with chis cease and desist order in writing within 7 days. 

Failure to comply WILL result in legal action, including filing complaints with regulatory bodies and pursuing damages under the Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief