Debt collection -- Electronic communications -- Complaint #9177231
Complaint Overview
Complaint ID: 9177231
Company: Equifax, INC.
Product: Debt collection
Sub-Product: Rental debt
Issue: Electronic communications
Sub-Issue: You told them to stop contacting you, but they keep trying
State: Indiana
ZIP Code: 46222
Date Received: 2024-06-04T12:00:00-05:00
Date Sent to Company: 2024-06-04T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/year>, I lodged a complaint via the Consumer Financial Protection Bureau ( CFPB ) concerning the conduct of XXXX XXXX. Despite this, XXXX XXXX continues to disregard my rights and engage in unlawful practices, further exacerbating the situation. In my initial complaint, I cited XXXXXXXX XXXX XXXX failure to contact me and provide the necessary notice and time required for disputing the alleged debt before reporting it to my credit profile. As per my request, XXXX XXXX was to furnish the following information : The tracking number from the notice, along with my signature upon delivery, confirming that I was duly informed of the debt and afforded the opportunity to dispute it within the stipulated timeframe, pursuant to 12 CFR 1006.34 Notice for validation of debts. The purchase agreement between the original creditor and the collection agency. Proof of licensing and authorization to collect the alleged debt. An agreement bearing my signature, indicating my commitment to pay. Clarification on whether the alleged debt was assigned or purchased. Despite my explicit request, XXXX XXXX failed to provide the requested documentation and, instead, resorted to further violating my rights by persistently harassing me via email, urging payment for an unverified and unvalidated alleged debt. Furthermore, they continue to report this debt to credit agencies, resulting in a significant drop in my credit score and causing unwarranted stress. This aggressive pursuit of collection appears to be a direct retaliation for my complaint to the CFPB. XXXXXXXX XXXX XXXX actions constitute a blatant abuse of my consumer rights, especially given their disregard for the supervisory authority of the CFPB. I want to reiterate that I am not liable for this debt, as I do not have a contractual agreement with XXXX XXXX, nor have they provided the original contract as requested. Moreover, I am deeply concerned about XXXX XXXX XXXX recent attempt to collect the debt via email. This action blatantly violates the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 805 ( 2 ) ( b ), which prohibits debt collectors from communicating with consumers through inconvenient means, such as email, known for its intrusiveness and lack of privacy.
Frequently Asked Questions
What is Complaint #9177231 about?
Complaint #9177231 was filed against Equifax, INC. regarding Debt collection specifically about Electronic communications. It was received by the CFPB on 2024-06-04T12:00:00-05:00.
How did Equifax, INC. respond to this complaint?
The company responded with: "Closed with non-monetary relief". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Equifax, INC.?
Yes, visit the Equifax, INC. company profile at readthecomplaint.com/company/equifax-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.