Consumer complaint received 2021-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
This letter is being sent to you in response to a listing on my credit report. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g (Sec. 809) that your claim is disputed and validation is requested. I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I ask you to provide the following information: 1. Please evidence your authorization under 15 USC 1692(e) and 15 USC 1692(f) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.6. Please provide a complete account history, including any charges added for collection activity. You have thirty (30) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you placed this on my credit report(s) in error and that this matter is permanently closed. Provide the proof, or correct the record and remove this invalid debt from all sources to which you have reported it. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

This letter is being sent to you in response to a listing on my credit report. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g (Sec. 809) that your claim is disputed and validation is requested. I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I ask you to provide the following information: 1. Please evidence your authorization under 15 USC 1692(e) and 15 USC 1692(f) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.6. Please provide a complete account history, including any charges added for collection activity. You have thirty (30) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you placed this on my credit report(s) in error and that this matter is permanently closed. Provide the proof, or correct the record and remove this invalid debt from all sources to which you have reported it. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 


	
EQUIFAX	XXXX  XXXX  XX/XX/XXXX
XXXX XXXXXX/XX/XXXX
XXXX XXXXXX/XX/XXXX
XXXX/XXXX/XXXXXX/XX/XXXX
XXXX XXXX XXXX XXXXXX/XX/XXXX
XXXX XXXX XXXXXX/XX/XXXX
XXXX XXXX XXXX XXXXXX/XX/XXXX
XXXX XXXXXX/XX/XXXX
XXXX XXXX XXXX XXXXXX/XX/XXXX
XXXX XXXXXX/XX/XXXX
XXXX/XXXX XXXX XXXXXX/XX/XXXX
XXXX XXXX XXXX XXXXXX/XX/XXXX
XXXX XXXXXX/XX/XXXX
XX/XX/XXXX

XXXX XXXXXX/XX/XXXX
XXXX XXXXXX/XX/XXXX
XXXX/XXXX XXXX XXXXXXXXXX/XX/XXXX
XXXXXX/XX/XXXX
XXXX XXXX XXXXXX/XX/XXXX
XXXX XXXX XXXXXX/XX/XXXX
XXXX/XXXX XXXX XXXXXX/XX/XXXX
XXXXXX/XX/XXXX
XX/XX/XXXX
XXXX XXXX XXXXXX/XX/XXXX

XXXXXX/XX/XXXX
XX/XX/XXXX
XXXX XXXXXX/XX/XXXX


XX/XX/XXXX
XXXXXX/XX/XXXX


XXXX  XXXX XXXX CLOSED
EQUIFAX	XXXX  XXXX  Last Updated
XX/XX/XXXX
XX/XX/XXXX
XX/XX/XXXX
Payment Status
Pays account as agreed
Paid or paying as agreed
Paid account/was 30 days past due date
Worst Delinquency
30 days past due
None Reported
30 days delinquent
Balance
$XXXX
$XXXX  
Credit Limit



2-YEAR PAYMENT HISTORY
OLDER DEROGATORY EVENTS
MORE DETAILS
XXXX XXXX CLOSED
EQUIFAX	XXXX  XXXX  Last Updated
XX/XX/XXXX

XX/XX/XXXX
Payment Status
Pays account as agreed

Account renewed or refinanced
Worst Delinquency
90 days past due

90 days delinquent
Balance
$XXXX  

Credit Limit



2-YEAR PAYMENT HISTORY
OLDER DEROGATORY EVENTS
MORE DETAILS
XXXX XXXX XXXX  XXXX  CLOSED
EQUIFAX	XXXX  XXXX  Last Updated


XX/XX/XXXX
Payment Status


Account paid satisfactorily
Worst Delinquency


No update received
Balance



Credit Limit



2-YEAR PAYMENT HISTORY
MORE DETAILS
XXXX XXXXn CLOSED
EQUIFAX	XXXX  XXXX  Last Updated
XX/XX/XXXX


Payment Status
Pays account as agreed


Worst Delinquency
None Reported


Balance
$XXXX  

Credit Limit



2-YEAR PAYMENT HISTORY
MORE DETAILS
XXXX XXXX  XXXX  CLOSED
EQUIFAX	XXXX  XXXX  Last Updated

XX/XX/XXXX
XX/XX/XXXX
Payment Status

Paid or paying as agreed
Account paid satisfactorily
Worst Delinquency

None Reported
No update received
Balance

$XXXX  
Credit Limit



2-YEAR PAYMENT HISTORY
MORE DETAILS
XXXX XXXX/XXXX CLOSED
EQUIFAX	XXXX  XXXX  Last Updated


XX/XX/XXXX
Payment Status


Account paid satisfactorily
Worst Delinquency


No update received
Balance



Credit Limit



2-YEAR PAYMENT HISTORY
MORE DETAILS
World Finance Corporatio CLOSED
EQUIFAX	XXXX  XXXX  Last Updated

XX/XX/XXXX
XX/XX/XXXX
Payment Status

Paid or paying as agreed
Account paid satisfactorily
Worst Delinquency

None Reported
No update received
Balance

$XXXX  
Credit Limit



2-YEAR PAYMENT HISTORY
MORE DETAILS
XXXX XXXX CLOSED
EQUIFAX	XXXX  XXXX  Last Updated
XX/XX/XXXX
XX/XX/XXXX
XX/XX/XXXX
Payment Status
Pays account as agreed
Paid or paying as agreed
Paid account/was 30 days past due date
Worst Delinquency
None Reported
None Reported
30 days delinquent
Balance
$XXXX  $XXXX  
Credit Limit



2-YEAR PAYMENT HISTORY
OLDER DEROGATORY EVENTS
MORE DETAILS
XXXX  XXXX/XXXX  CLOSED
EQUIFAX	XXXX  XXXX  Last Updated


XX/XX/XXXX
Payment Status


Account renewed or refinanced
Worst Delinquency


No update received
Balance



Credit Limit



2-YEAR PAYMENT HISTORY
MORE DETAILS
XXXX  XXXX, XXXX  CLOSED
EQUIFAX	XXXX  XXXX  Last Updated
XX/XX/XXXX

XX/XX/XXXX
Payment Status
Pays account as agreed

Account paid satisfactorily
Worst Delinquency
None Reported

No update received
Balance
$XXXX  

Credit Limit



2-YEAR PAYMENT HISTORY
MORE DETAILS
XXXX XXXX CLOSED
EQUIFAX	XXXX  XXXX  Last Updated
XX/XX/XXXX

XX/XX/XXXX
Payment Status
Not more than three payments past due

Paid account/was delinquent 60 days past due date
Worst Delinquency
60 days past due

60 days delinquent
Balance
$XXXX  

Credit Limit
$XXXX  
$XXXX  2-YEAR PAYMENT HISTORY
OLDER DEROGATORY EVENTS
MORE DETAILS
XXXX  XXXX  XXXX  XXXX  CLOSED
EQUIFAX	XXXX  XXXX  Last Updated


XX/XX/XXXX
Payment Status


Paid account/XXXX  balance
Worst Delinquency


No update received
Balance



Credit Limit


$XXXX  2-YEAR PAYMENT HISTORY
MORE DETAILS
XXXX XXXX CLOSED
EQUIFAX	XXXX  XXXX  Last Updated

XX/XX/XXXX
XX/XX/XXXX
Payment Status

Paid or paying as agreed
This is an account in good standing
Worst Delinquency

None Reported
No update received
Balance

$XXXX  
Credit Limit


$XXXX  2-YEAR PAYMENT HISTORY
MORE DETAILS
XXXX XXXX/XXXX  CLOSED
EQUIFAX	XXXX  XXXX  Last Updated


XX/XX/XXXX
Payment Status


Unpaid balance reported as a loss by credit grantor
Worst Delinquency


Charge Off/Other Derog
Balance



Credit Limit


$XXXX  2-YEAR PAYMENT HISTORY
OLDER DEROGATORY EVENTS
MORE DETAILS
XXXX  CLOSED
EQUIFAX	XXXX  XXXX  Last Updated

XX/XX/XXXX
XX/XX/XXXX
Payment Status

Paid or paying as agreed
Paid account/XXXX  balance
Worst Delinquency

None Reported
No update received
Balance

$XXXX  
Credit Limit



2-YEAR PAYMENT HISTORY
MORE DETAILS
XXXX  CLOSED
EQUIFAX	XXXX  XXXX  Last Updated
XX/XX/XXXX


Payment Status
Pays account as agreed


Worst Delinquency
None Reported


Balance
$XXXX  

Credit Limit



2-YEAR PAYMENT HISTORY
MORE DETAILS
XXXX  CLOSED
EQUIFAX	XXXX  XXXX
Last Updated


XX/XX/XXXX
Payment Status


Account paid satisfactorily
Worst Delinquency


No update received
Balance



Credit Limit



2-YEAR PAYMENT HISTORY
MORE DETAILS
XXXX  CLOSED
EQUIFAX	XXXX  XXXX  Last Updated
XX/XX/XXXX


Payment Status
Pays account as agreed


Worst Delinquency
None Reported


Balance
$XXXX  

Credit Limit



2-YEAR PAYMENT HISTORY
MORE DETAILS

XXXX XXXX XXXX XXXX/
EQUIFAX	XXXX  XXXX  Last Updated
XX/XX/XXXX
XX/XX/XXXX
XX/XX/XXXX
Payment Status
Not more than two payments past due
30 days past due
Account 30 days past due date
Worst Delinquency
None Reported
None Reported
30 days delinquent
Balance
$XXXX  $XXXX  $XXXX  Credit Limit



2-YEAR PAYMENT HISTORY
OLDER DEROGATORY EVENTS
MORE DETAILS
XXXX XXXX XXXX CLOSED
EQUIFAX	XXXX  XXXX  Last Updated
XX/XX/XXXX
XX/XX/XXXX
XX/XX/XXXX
Payment Status
Pays account as agreed
Paid or paying as agreed
Paid account/was 30 days past due date
Worst Delinquency
30 days past due
None Reported
30 days delinquent
Balance
$XXXX  $XXXX  
Credit Limit



2-YEAR PAYMENT HISTORY
OLDER DEROGATORY EVENTS
MORE DETAILS
XXXX XXXX CLOSED
EQUIFAX	XXXX	XXXX  Last Updated
XX/XX/XXXX

XX/XX/XXXX
Payment Status
Pays account as agreed

Account renewed or refinanced
Worst Delinquency
90 days past due

90 days delinquent
Balance
$0


Credit Limit



2-YEAR PAYMENT HISTORY
OLDER DEROGATORY EVENTS
MORE DETAILS
XXXX/XXXX  EQUIFAX	XXXX  XXXX  Last Updated
XX/XX/XXXX
XX/XX/XXXX
XX/XX/XXXX
Payment Status
Pays account as agreed
30 days past due
Account was delinquent 60 days past due date/now 30 days past due date
Worst Delinquency
60 days past due
60 days past due
60 days delinquent
Balance
$XXXX  $XXXX
$XXXX  Credit Limit
$XXXX  $XXXX  $XXXX  Credit Utilization
 106%
 109%
 109%
2-YEAR PAYMENT HISTORY
OLDER DEROGATORY EVENTS
MORE DETAILS
XXXX XXXX
EQUIFAX	XXXX  XXXX  Last Updated

XX/XX/XXXX

Payment Status

Paid or paying as agreed

Worst Delinquency

None Reported

Balance

$XXXX  
Credit Limit



2-YEAR PAYMENT HISTORY
OLDER DEROGATORY EVENTS
MORE DETAILS
XXXX  XXXX XXXX XXXX
EQUIFAX	XXXX  XXXX
Last Updated


XX/XX/XXXX
Payment Status


Unpaid balance reported as a loss by credit grantor
Worst Delinquency


Charge Off/Other Derog
Balance


$XXXX  Credit Limit


$XXXX  Credit Utilization


 105%
2-YEAR PAYMENT HISTORY
OLDER DEROGATORY EVENTS
MORE DETAILS
XXXX XXXX XXXX XXXX
EQUIFAX	XXXX  XXXX
Last Updated


XX/XX/XXXX
Payment Status


Unpaid balance reported as a loss by credit grantor
Worst Delinquency


Charge Off/Other Derog
Balance


$XXXX
Credit Limit



2-YEAR PAYMENT HISTORY
OLDER DEROGATORY EVENTS
MORE DETAILS
XXXX XXXX
EQUIFAX	XXXX  XXXX  Last Updated


XX/XX/XXXX
Payment Status


Current account/was delinquent 90 days past due date
Worst Delinquency


90 days delinquent
Balance


$XXXX  Credit Limit



2-YEAR PAYMENT HISTORY
OLDER DEROGATORY EVENTS
MORE DETAILS
XXXX  - XXXX  EQUIFAX	XXXX  XXXX  Last Updated
XX/XX/XXXX
XX/XX/XXXX
XX/XX/XXXX
Payment Status
Pays account as agreed
Paid or paying as agreed
Current account/was delinquent 90 days past due date
Worst Delinquency
90 days past due
90 days past due
90 days delinquent
Balance
$XXXX  $XXXX  $XXXX  Credit Limit
$XXXX  $XXXX
$XXXX  2-YEAR PAYMENT HISTORY
OLDER DEROGATORY EVENTS
MORE DETAILS
XXXX  XXXX  XXXX XXXX
EQUIFAX	XXXX  XXXX  Last Updated
XX/XX/XXXX
XX/XX/XXXX
XX/XX/XXXX
Payment Status
Pays account as agreed
Paid or paying as agreed
Current account/was 30 days past due date
Worst Delinquency
30 days past due
None Reported
30 days delinquent
Balance
$XXXX  $XXXX  $XXXX  Credit Limit
$XXXX  $XXXX  $XXXX  Credit Utilization
 83%
 83%
 83%
2-YEAR PAYMENT HISTORY
OLDER DEROGATORY EVENTS
MORE DETAILS
XXXX XXXX CLOSED
EQUIFAX	XXXX  XXXX  Last Updated
XX/XX/XXXX
XX/XX/XXXX
XX/XX/XXXX
Payment Status
Pays account as agreed
Paid or paying as agreed
Paid account/was 30 days past due date
Worst Delinquency
None Reported
None Reported
30 days delinquent
Balance
$XXXX  $XXXX  
Credit Limit



2-YEAR PAYMENT HISTORY
OLDER DEROGATORY EVENTS
MORE DETAILS
XXXX XXXX CLOSED
EQUIFAX	XXXX  XXXX  Last Updated
XX/XX/XXXX

XX/XX/XXXX
Payment Status
Not more than three payments past due

Paid account/was delinquent 60 days past due date
Worst Delinquency
60 days past due

60 days delinquent
Balance
$XXXX  

Credit Limit
$XXXX  
$XXXX  2-YEAR PAYMENT HISTORY
OLDER DEROGATORY EVENTS
MORE DETAILS
XXXX  XXXX/XXXX  CLOSED
EQUIFAX	XXXX  XXXX  Last Updated


XX/XX/XXXX
Payment Status


Unpaid balance reported as a loss by credit grantor
Worst Delinquency


Charge Off/Other Derog
Balance



Credit Limit


$XXXX  2-YEAR PAYMENT HISTORY
OLDER DEROGATORY EVENTS
MORE DETAILS

Company response to consumer: Closed with explanation