Consumer complaint received 2024-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
XXXX making a complaint to Equifax, for violating the Fair Credit Reporting Act, THEY ARE STATING THAT THE INFO IS VERIFIED BUT I WANT TO KNOW WHAT INVESTIGATION DID YOU DO TO SHOW THIS IS ACCURATE IF YOU HAVE TO UPDATE IT THAT MEANS IT WAS INACCURATE TO BEGIN WITH. 

I am writing due to the negative marks youve made on my credit file. I would be willing to accept this debt if it were mine and upon Validation and Proof of Claim but its not mine and theres no way that you can validate it. I'm sure you are aware of the provisions of the Fair Debt Collection Practices Act ( FDCPA ) so let it be known that I am requesting full validation of this debt. I am requesting proof that I am indeed the party you are asking to pay this debt, and that there is some contractual obligation which is binding on me to pay it. I request that you stop contacting me by telephone and restrict your contact with me to writing only, and only when you can provide adequate validation of this alleged debt. To refresh your memory on what constitutes legal validation, here is a list of the required documentation : Complete payment history, the requirement of which has been established by XXXX v XXXX, XXXX XXXX XXXX ; XXXX XXXX. XXXX XXXX  XXXX. Please provide verification by line item ( with an explanation of each item such as when the purchase took place, how much the item was, were the goods received, when were the goods received, etc. ) for the entire amount you say I owe obtained directly from the XXXX XXXX. 

XXXX bank # XXXX XXXX XXXX # XXXX Date of Last Activity My full, complete and correct social security number that XXXX help to identify me as the correct person you are trying to collect from. 

Agreement that bears the signature of the alleged debtor wherein he agreed to pay the original creditor. 

The obligation between you and I that allows you to collect on the alleged debt and any transactions between your company that binds me to an agreement to pay your company any money that you claim I owe. 

Proof of photo identification ( i.e., driver 's license, state identification card, or other government issued identification card ) that was presented to you at the time of incurring this debt. 

Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) XXXX XXXX XXXX XXXX Services, XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX ) - information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase their request clearly to obtain : The source of a debt and the amount a bad debt buyer paid for plaintiff 's debt, how the amount sought was calculated, where at issue a list of reports to credit bureaus, and documents conferring authority on defendant to collect debt. 

Proof that this debt has not been written off as a tax liability. 

Any other intimate knowledge of the creation of the debt by you, the collection agency. 

I'm sure you know, under FDCPA XXXX XXXX ( b ), you are not allowed to pursue collection activity until this debt is validated. You should be made aware that in XXXX v. XXXX XXXX, XXXX. Civ XXXX ( XXXX XXXX XXXX ), the court ruled that reporting a collection account is, indeed, considered collection activity. You should also note that this is not a request for Partial Validation but rather, its a request for EVERYTHING listed here in order to constitute full and sufficient validation of this debt. 

it has been well over 30 days and Equifax, have not made the appropriate changes to comply with the FCRA. Pursuant to 15 USC 1681i ( 5 ) ( A ) ( i ) -If 30 days have passed without proper verification then the information must be deleted. I have reached out to the company via phone to no avail, as they continue to use deceptive practices to cause me harm. to make all lawful changes pursuant to 15 USC 1681a ( 2 ) ( A ) ( iii ) -The consumer is supposed to be given a chance to direct the information they want to be directed, they have not done so nor have they made the changes to be compliance with the FCRA as required by law. The company claims they verified accounts but provided NO VALID PROOF of this, including no method or steps of verification. Pursuant to 15 USC 1681i ( 6 ) ( B ) ( iii ) and 15 USC 1681i ( 7 ) I am requesting a FULL description of the procedure used to determine the accuracy and completeness of the information. This should include ( but not limited to ) the answers to the following questions for each account claimed to be verified : What was the method of verification used during your reinvestigation of the verified accounts? 1. Who did you speak to? 2. From what department? 3. What is their employee id or code or personal identifier? 4. What contract did they provide you when you verified these companies had my written consent to share my personal information with you? Provide it as evidence. 5. Was this account authorized by my credit card? 6. Did they provide anything other than alleged transactions and experiences as mentioned in 15 USC 1681a ( 2 ) ( A ) ( i )? Do you have any contract with me or written consent from me where I give you permission to furnish this account? Do you have any documentation/evidence on file of you notifying the consumer that this negative information was being reported to you before you added it to the report? Provide the negative information notice pursuant to 15 USC 1681s-2 ( 7 ) ( A ) ( i ). Pursuant to 15 USC 1681 ( b ) -You must follow reasonable procedures and must be fair and EQUITABLE to the consumer. Taking a persons word without proper evidence is NOT fair nor is it equitable to the consumer when this causes harm to the consumer. In addition, 15 USC 1681s-2 ( a ) ( 1 ) ( A ) states You shall not furnish information about a consumer if you have reasonable cause it may be inaccurate. An entire CFPB complaint clearly is reasonable cause yet Equifax continue to willfully furnish inaccurate and ILLEGAL information. Equifax are in violation of : 1. 15 USC 1681 ( A ) ( 4 ) - Right to privacy-furnishing private information about me without any lawful authority or my written consent. Provide evidence of written consent signed by the consumer ; 2.15 USC 1681a ( 2 ) ( A ) ( iii ) -The consumer is supposed to be given a chance to direct the information they want to be directed, as they consistently refuse to update consumer information as directed nor will they produce ANY proof that they have been provided with my written consent to furnish ANY of my private information because none exists ; 3.15 USC 1681s-2 ( a ) ( 1 ) ( A ) - You shall not furnish information about a consumer if you have reasonable cause it may be inaccurate. A complaint is reasonable cause ; 4.15 USC 1681e ( b ) -Must maintain maximum possible accuracy. They refuse to make it accurate with the necessary changes provided as directed ; 5. 15 USC 1681a ( 2 ) ( B ) -If a transaction was authorized by a credit card it can not be reported. Pursuant to 15 USC 1602 ( L ) The term credit card means any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor or services on credit. ALL transactions reported on the consumer report were authorized by my credit card. 6. 15 USC 1681 ( b ) -You must follow reasonable procedures and must be fair and EQUITABLE to the consumer. Their procedures are neither fair nor EQUITABLE when they havent lawfully obtained my written permission to have my personal information nonetheless SELL said private personal information without any due consideration. Equity sees that as done what ought to be done. As they have been notified but refuse to update consumer information pursuant to 15 USC 1681o ( a ) ( 1 ) -Negligent compliance, these are willful violations and pursuant to 15 USC 1681n ( a ) ( 1 ) ( A ) - Willful failure to comply with any requirement under the FCRA is damages up to { {$1000.00} } per violation. 15 USC 1681b ( a ) ( 2 ) -Credit Report Agencies need written instruction to make a consumer report by the consumer. 15 USC 1681a ( q ) ( 3 ) and Regulation V 12 CFR 1022.3 defines Identity theft as a fraud committed or attempted using the identifying information of another person without their authority

Company response to consumer: Closed with explanation