Consumer complaint received 2024-10-04 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX : XXXX | DOB XX/XX/XXXX Date : XX/XX/XXXX EQUIFAX Subject : Incorrect Account Deletion Request CFPB Case ID # : XXXX XXXX Ref # : XXXX Dear Sirs and Madams of EQUIFAX, I hereby formally notify you of a dispute regarding the XXXX XXXX XXXX XXXX ( XXXX ) account, which has been reported in my credit file under the entity Spectrum. This account must be immediately removed from the credit report under applicable federal and state law. The following are the legal and factual reasons supporting my request : Reasons for Dispute XXXX. Violation of Debt Validation Process : Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ), the collection agency XXXX XXXX was required to cease all debt collection and validation activities until receiving complete verification of the debt, if a request was received within 30 days of receipt of the initial notice. XXXX claims to have sent said notice on XX/XX/XXXX and to have received no communication before XX/XX/XXXX. However, this does not justify reporting to XXXX without proof of validation. 
XXXX. Lack of Legal Ownership of the Debt : XXXX XXXX has indicated in its response to the CFPB that it is not the owner of the account in question and only acted as an authorized representative of Spectrum. The information reported to XXXX was generated without adequate verification by the original creditor, violating the consumer 's right to transparency of information under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ). 
3. Relevance of Florida Credit Law : Under Florida state law, the statute of limitations on debts limits the period during which a debt may be legally pursued. The account in question was returned to XXXX without any additional validation efforts being made and is outside the applicable reporting time frame. 
Request Since XXXX XXXX has confirmed that the account was returned to Spectrum and that it no longer has any right or authority over the account, immediate removal of any mention of this account from my credit report is requested, pursuant to Section 611 of the FCRA ( 15 U.S.C. 1681i ), which provides a consumer 's right to request removal of inaccurate or unverified information. 
Attached is a copy of the correspondence received by XXXX XXXX through the CFPB, which confirms that the account has been closed and returned to the creditor.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX SSN : XXXX | DOB XX/XX/XXXX Date : XX/XX/XXXX EQUIFAX Subject : Incorrect Account Deletion Request CFPB Case ID # : XXXX XXXX Ref # : XXXX Dear Sirs and Madams of EQUIFAX, I hereby formally notify you of a dispute regarding the XXXX XXXX XXXX XXXX ( XXXX ) account, which has been reported in my credit file under the entity Spectrum. This account must be immediately removed from the credit report under applicable federal and state law. The following are the legal and factual reasons supporting my request : Reasons for Dispute XXXX. Violation of Debt Validation Process : Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ), the collection agency XXXX XXXX was required to cease all debt collection and validation activities until receiving complete verification of the debt, if a request was received within 30 days of receipt of the initial notice. XXXX claims to have sent said notice on XX/XX/XXXX and to have received no communication before XX/XX/XXXX. However, this does not justify reporting to XXXX without proof of validation. 
XXXX. Lack of Legal Ownership of the Debt : XXXX XXXX has indicated in its response to the CFPB that it is not the owner of the account in question and only acted as an authorized representative of Spectrum. The information reported to XXXX was generated without adequate verification by the original creditor, violating the consumer 's right to transparency of information under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ).

3. Relevance of Florida Credit Law : Under Florida state law, the statute of limitations on debts limits the period during which a debt may be legally pursued. The account in question was returned to XXXX without any additional validation efforts being made and is outside the applicable reporting time frame. 
Request Since XXXX XXXX has confirmed that the account was returned to Spectrum and that it no longer has any right or authority over the account, immediate removal of any mention of this account from my credit report is requested, pursuant to Section 611 of the FCRA ( 15 U.S.C. 1681i ), which provides a consumer 's right to request removal of inaccurate or unverified information. 
Attached is a copy of the correspondence received by XXXX XXXX through the CFPB, which confirms that the account has been closed and returned to the creditor.

Company response to consumer: Closed with explanation