Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #9120311

Complaint Overview

Complaint ID: 9120311

Company: Equifax, INC.

Product: Credit reporting or other personal consumer reports

Sub-Product: Credit reporting

Issue: Problem with a company's investigation into an existing problem

Sub-Issue: Their investigation did not fix an error on your report

State: Georgia

ZIP Code: 30238

Date Received: 2024-05-28T12:00:00-05:00

Date Sent to Company: 2024-05-28T12:00:00-05:00

Company Response: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

XXXX XXXX ACCT # XXXX AMOUNT {$18000.00} ACCT # XXXX AMOUNT {$5000.00} ACCT # XXXX AMOUNT {$540.00} ACCT # XXXX Resurgent Receivables AMOUNT {$210.00} Im sure you are aware of the provisions of the Fair Debt Collection Practices Act ( FDCPA ) so let it be known that I am requesting full validation of this debt. I am requesting proof that I am indeed the party you are expecting to pay this debt, and that there is some contractual obligation which is binding on me to pay it. I request that you stop contacting me by telephone, email and restrict your contact with me to writing only postal mail to my current mailing address and only when you can provide adequate validation of this alleged debt. To refresh your memory on what constitutes legal validation, here is a list of the required documentation : Complete payment history, the requirement of which has been established by Spears v Brennan, 745 N.E.2 ; 2001 Ind. App. LEXIS 509. Please provide verification by line item ( with an explanation of each item has when the purchase took place, how much the item was, were the goods received, when were the goods cived, etc. ) for the entire amount you say I owe obtained directly from the Original Creditor. Date of Last Activity full, complete and correct social security number that may help to identify me as the correct person youre trying to collect from. reement that bears the signature of the alleged debtor wherein he agreed to pay the original creditor. The obligation between you and I that allows you to collect on the alleged debt and any transactions between are company that binds me to an agreement to pay your company any money that you claim I owe. of of photo identification ( i.c., driver 's license, state identification card, or other government issued ntification card ) that was presented to you at the time of incurring this debt. Purchase agreement or assignment from the original creditor to your company. ( Agreement with your clier t grants you the authority to collect on this alleged debt. ) Coppola v. Arrow Financial Services, 302CVS 12 WL. 32173704 ( D.Conn., Oct. 29, 2002 ) - information relating to the purchase of a bad debt is not prietary or burdensome. Debtor must phrase their request clearly to obtain : The source of a debt and t ount a bad debt buyer paid for plaintiff 's debt, how the amount sought was calculated, where at issue a reports to credit bureaus, and documents conferring authority on defendant to collect debt. of that this debt has not been written off as a tax liability. By other intimate knowledge of the creation of the debt by you, the collection agency. i sure you know, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until thi it is validated. You should be made aware that in Boatley v. Diem Corporation, No. Civ 03-0762 ( D.C. A 14 ), the court ruled that reporting a collection account is, indeed, considered collection activity. You should note that this is not a request for " Partial '' Validation but rather, it's a request for EVERYTHING listed in order to constitute full and sufficient validation of this debt. While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FDCPA and oth tutes. I look forward to an uneventful resolution of this matter. Please note the listed companies above have failed to present/show proof of debt, It has been 30 days and I havent received the documents as requested by mail & through the CFPB. The companies have failed to send me a purchase agreement with signatures from all parties binding me to this debt. Initial request for documentation was XX/XX/XXXX through the CFPB, all the companies listed above failed to follow up with the correct documentation to verify this debt. Please remove this from my credit report. USC 1692g ( b )

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This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.

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