Consumer complaint received 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
These are three letters separate as need for each creditor XXXX XXXX XXXX XXXX Subject : Notice of Dispute and Request for Debt Validation Dear XXXX XXXX, I am writing to formally dispute the validity of the debts being reported by your agency and to request immediate validation of these debts, as well as correction of inaccurate credit reporting to the credit bureaus. 

Account Information : Account # XXXX Account # XXXX I recently obtained a copy of my credit report, which revealed the presence of accounts allegedly being collected by your agency. Upon careful review and analysis, I believe there are inaccuracies in the reporting of these debts. 

As per the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am entitled to receive validation of these debts. I kindly request that your agency provide me with the following information : XXXX. Verification of the debt amounts claimed, including a detailed breakdown of any interest, fees, or charges applied. 
XXXX. Copies of all documents proving that I am indeed responsible for these debts, such as the signed agreement or contract with the original creditor showing my written signature. 
XXXX. Verification that your agency is legally authorized to collect these debts on behalf of the original creditor. 

These debts have no legitimate basis, and your agency must remove them from my credit report immediately. If your agency does not promptly remove these accounts from my credit report and cease all collection activities, I will have no choice but to initiate legal action, including XXXX, as these debts were never legally mine to begin with. 

XXXX can be a costly process for your company. The XXXX XXXX XXXX XXXX XXXX ) and XXXX  both charge significant fees for XXXX  cases : Filing Fee : {$1500.00} Case Management Fee : {$750.00} to {$1200.00} Hearing Fee : {$1500.00} to {$3500.00} per day These fees do not include the costs of legal representation or other expenses your agency will incur. Should this case proceed to XXXX, you will be responsible for these costs. Given these potential expenses, it would be in your best interest to remove these accounts immediately and avoid further financial burden. 

Additionally, I am exercising my rights under Section 1692c of the FDCPA, which gives me the authority to request that your agency cease all communication with me. This request extends to all forms of communication, including any communication with third parties, such as credit reporting agencies. 

I expect your agency to conduct a thorough investigation into the disputed debts and provide me with the requested validation within 30 days of receiving this letter. If your agency fails to validate the debts or correct the inaccurate reporting within the specified timeframe, I will pursue all available legal remedies, including XXXX, to protect my interests. 


I also request that your agency cease all collection activities, including any reporting to the credit bureaus, until the requested debt validation is provided. The following inaccuracies have been noted : Incorrect balance Misreported payment statuses Inaccurate dates of delinquency Be aware that the inaccurate reporting of these debts to the credit bureaus is negatively impacting my creditworthiness and causing substantial harm. In accordance with the FCRA, I hereby dispute the accuracy of these debts and request that you correct any erroneous information being reported to the credit bureaus, including but not limited to the above-mentioned items. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Subject : Notice of Dispute and Request to Remove Unauthorized Late Payments Dear XXXX  XXXX XXXX, I am writing to demand the immediate removal of two late payments reported on my account ( Account # XXXX ) by your company. The reporting of these late payments is not only inaccurate but also a blatant violation of my rights under the Fair Credit Reporting Act ( FCRA ) and other federal statutes. 

Equifax, XXXX, and XXXX are currently reporting these late payments on my account, which is extremely illegal as I have opted out of any credit reporting agencies reporting my personal and private information, including my transactions and experiences with businesses. Under 15 U.S. Code 1681b, credit reporting agencies require my written, express consent to report any information on my credit report, which they never obtained from me. This unauthorized reporting is considered defamation of character, deceptive business practices, and potentially violates XXXX statutes as credit reporting agencies are profiting from unauthorized information on my credit report. 

In accordance with 15 U.S. Code 1666 ( b ), a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. This statute directly applies to my account, and by reporting these payments as late, your company has violated my rights under the FCRA and engaged in fraudulent and deceptive practices. 

Copy the Following Exactly : In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 U.S.C. 1681, Section 602, which states I have the right to privacy. Furthermore, under 15 U.S.C. 1681, Section 604A, Section 2, it is also stated that a consumer reporting agency can not furnish an account without my written instructions. Additionally, under 15 U.S.C. 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Remove all late payments immediately.

Failure to remove these unauthorized late payments will result in legal action, including XXXX, as your actions have caused significant harm to my creditworthiness. Please address this matter promptly to avoid further legal consequences.

Thank you for your immediate attention to this issue. 

Sincerely, XXXX XXXX To : Equifax, XXXX, and XXXX Subject : Notice of Dispute and Demand to Remove Unauthorized Late Payments Dear Equifax, XXXX, and XXXX, I am writing to dispute the reporting of late payments on my XXXX XXXX Bank account ( Account # XXXX ) by your agencies. I have explicitly opted out of any reporting of my personal and private information, including my transactions and experiences with businesses. Your agencies have reported these late payments without my written, express consent, which is a direct violation of 15 U.S. Code 1681b. 

Your continued reporting of this unauthorized information is considered defamation of character, deceptive business practices, and potentially violates XXXX statutes as your agencies are profiting from unauthorized information on my credit report. 

Furthermore, under 15 U.S. Code 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. The reporting of these late payments is not only inaccurate but also illegal. 

Failure to remove these unauthorized late payments will result in legal action against your agencies, including XXXX, for violating my rights under the Fair Credit Reporting Act. 

Please remove all unauthorized late payments from my credit report immediately. 

Sincerely, XXXX XXXX This letter set should be effective in disputing the inaccuracies and protecting your rights under the FCRA and other relevant laws.

Company response to consumer: Closed with non-monetary relief