Consumer complaint received 2024-12-06 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: NY

Complaint narrative:
{$0.00} XXXX XXXX Account Closed Last Updated : XX/XX/XXXX Account Information Account Status Closed Account Type Secured loan Date Opened XX/XX/XXXX Credit Limit -- Payment Information Payment Status Late 60 Days Past Due Amount -- Highest Balance {$2500.00} Monthly Payment $ 0 Times XX/XX/XXXX days late ( Last 7 years ) XXXX Additional Information Responsibility Individual Terms XXXX Remarks Closed Creditor Name XXXX Creditor Contact XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX {$0.00} XXXX XXXX Account XXXX Last Updated : XX/XX/XXXX Account Information Account Status Closed Account Type Secured loan Date Opened XX/XX/XXXX Credit Limit -- Payment Information Payment Status Late 60 Days Past Due Amount -- Highest Balance {$1000.00} DEBT VALIDATION LETTER [ XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX New York XXXX XXXX XXXX XXXX Validation for Account # XXXX To Whom it XXXX Concern, This letter is in response to your contact method by phone XXXX XXXX at XXXX about the alleged [ DEBT TYPE ] you have identified. This is neither an acknowledgement of debt nor a refusal to pay, but a notice to request validation. 
Under the Fair Debt Collections Practices Act ( FDCPA ), I am entitled to request validation of the debt that you allege I owe to you. This is not a request to verify the debt, but rather a request for you to provide complete and competent evidence of my contractual obligation to provide payment due to you. 
Please provide the following alleged information to me within thirty ( 30 ) days from receipt of this letter. [ INSERT ALL THAT APPLY ] [ Creditor 's Name and Full Address ] [ Name of Debtor of Record ) [ Full Account Number ] [ Amount of Debt ] [ Due Date of Debt ] [ Original Charge Off or Delinquency Date ] [ Explanation of how the Debt was calculated ] [ Evidence that the Debt is within State 's applicable Statute of Limitation ] [ Name of Collection Agency or Owner of Debt, if applicable ] [ Amount Paid if Debt was Purchased ] [ Completed and Executed Agreement, including Signature Pages, for the Debt ] Pursuant to my rights under FDCPA, I will not be responding or acknowledging any further collection attempts from you until you have verified that this debt is mine. May Concern, This letter is in response to your contact [ CONTACT METHOD ] on [ CONTACT DATE ] at [ CONTACT TIME ] about the alleged [ DEBT TYPE ] you have identified. This is neither an acknowledgement of debt nor a refusal to pay, but a notice to request validation. 
Under the Fair Debt Collections Practices Act ( FDCPA ), I am entitled to request validation of the debt that you allege I owe to you. This is not a request to verify the debt, but rather a request for you to provide complete and competent evidence of my contractual obligation to provide payment due to you. 
Please provide the following alleged information to me within thirty ( 30 ) days from receipt of this letter. [ INSERT ALL THAT APPLY ] [ Creditor 's Name and Full Address ] [ Name of Debtor of Record ) [ Full Account Number ] [ Amount of Debt ] [ Due Date of Debt ] [ Original Charge Off or Delinquency Date ] [ Explanation of how the Debt was calculated ] [ Evidence that the Debt is within State 's applicable Statute of Limitation ] [ Name of Collection Agency or Owner of Debt, if applicable ] [ Amount Paid if Debt was Purchased ] [ Completed and Executed Agreement, including Signature Pages, for the Debt ] Pursuant to my rights under FDCPA, I will not be responding or acknowledging any further collection attempts from you until you have verified that this debt is mine.

Company response to consumer: Closed with explanation