Consumer complaint received 2024-06-22 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: GA

Complaint narrative:
On XX/XX/XXXX I requested XXXX & XXXX XXXX to send me proof of the original purchase agreement in which they declined to do so XX/XX/XXXX. Proof of them declining is attached & highlighted in the documents attached to this complaint. This means the following accounts listed below arent, cant & have not been verified. These accounts should not be on my credit & need to be removed immediately. 

XXXX XXXX XXXX # XXXX Balance {$540.00} XXXX XXXX XXXX # XXXX Balance {$5000.00} XXXX XXXX XXXX # XXXX Balance {$18000.00} XXXX XXXX XXXXXXXX Balance {$210.00} I was made aware of their attempt to collect on an alleged debt less than 30 days ago. Please be advised that I hereby dispute the validity of the above-listed alleged debt in its entirety. I requested verification/validation of the alleged debt and specifically requested a copy of an original contract or agreement signed by the alleged original creditor and all parties to any such contract provided. All parties declined, proof is attached to this complaint. Please Note : a billing statement, notice, or any unsigned document is not verification of the alleged debt. This a direct violation of USC 1692g ( b ) If youre not familiar with 1692g ( b ) the US Code is detailed & explained below : ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( XXXX ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 

( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. 

In conclusion, & in my own words Id like to reiterate that XXXX XXXX XXXX XXXX XXXX have both declined to validate the debt with an original purchase agreement signed by all parties including me, the consumer. This is failure to validate & verify the debt I alleged owe. Both entities also failed to respond within 30 calendar days. Please remove these accounts from my credit report immediately. Proof is attached to the complaint, please review the documents attached to help assist you in this investigation. 

Each credit bureau and or company has 10 days to respond to this complaint with a solution, not update, but a final decision & outcome. This situation has been ongoing for more than 30 days. Failure to do so, should result in these accounts being removed from my credit report. 

I have submitted several complaints to the CFPB & FTC, complaint numbers are listed below. 
Also Ive mailed XXXX, equifax, & the collection companies several letters dating back to XX/XX/XXXX. 

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( equifax ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( equifax ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief