Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
received a copy of my credit report and the following items to be in error. This is a Collection account that has be sold to a 3rd party so therefore it forfeited its right to try and to collect any in accurate debt. Section 604 15 u.s.c 1681 B states that the credit reporting agencies do not have the right to report without my written consent. By law section 605 A 15 u.s.c 1681 C-2 states that with no consent it is considered identity theft and all in accurate accounts must be deleted. By the provisions of the Fair Credit reporting act, I demand that these items be removed from my credit report. It is my understanding that you will recheck these items with the creditor who has posted them. PLEASE REMOVE ANY INFORMATION THAT THE CREDITOR CAN NOT VERIFY. I understand that under the 15 U.S.C Sec. 1681i ( a ), you must complete this reinvestigation with the next 30 days of the receipt of this letter. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. These inaccuracies are highly injurious to my credit rating. Furthermore, In accordance with the Fair Credit Reporting Act law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, NOT A COMPUTER GENERATED CONFIRMATION. Please note names and business addresses of each individual with whom you verified the information with above. I will also like to know if the furnisher provided you with my SSN, signature and agreement to pay. Provide signature on contract or document that holds me responsible for the alleged debt. Also send proof that you are licensed to collect debt in my state. This letter sent as my formal debt validation request, which I am allowed under the FDCPA. Please forward an updated credit report to me after you have completed your investigation and corrections. PLEASE DO NOT VERIFY AS ACCURATE without providing me VALIDATION and PROOF! I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). Any verify as accurate without 100 % accuracy validation and proof will cause me to seek legal counsel for relief through the court and file complaints with regulatory enforcement agencies including the CFPB, FTC and my state attorney general. 
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX XXXX | May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists. Please Delete the following items off my credit report immediately.Failure to respond satisfactorily will result in a small claims action against your Agency. I will be seeking damages but not limited to and each violation is a statutory cost of {$1.00} each Per 15 U.S.C 1692k : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief