This is getting ridiculous. Equifax sent a correspondence claiming to have concluded the investigation for my dispute against the said debt purported by XXXX XXXX as valid. I have submitted copies of all my letters to XXXX initiating billing disputes. XXXX XXXX has violated the Fair Credit Billing Act. At best, this matter boils down to a billing dispute initiated by me before voluntarily canceling my service. XXXX has yet to acknowledge my billing dispute and just keeps sending me unaltered copies of the final bill. It 's like I 'm " talking to a brick wall. '' This is willful ignorance. I use plain, straightforward language in my correspondence, and I 've submitted it to Equifax, XXXX and XXXX. XXXX XXXX has unlawfully reported this account intending to affect my credit rating and willfully reported me as delinquent. This is grossly inaccurate. I have submitted a request for full disclosure of the investigative process carried out by Equifax to verify said debt, and sent a copy of the letter to XXXX XXXX corporate headquarters in New Jersey. I have filed an FTC complaint against XXXX XXXX. 
XXXX XXXX has committed several violations of the FCBA and FCRA, including but not limited to, threatening my credit rating, reporting me as delinquent, willfully failing to acknowledge my billing dispute, failing to apply/post credits, charges for goods and services you did n't accept or that were n't delivered as agreed, and unauthorized charges for data when I only agreed to start service under the promise of an unlimited data flat rate plan for XXXX phone line. Equifax has equally violated laws protecting against that to which I 've been subjected because they have failed to decide this matter according to law. My documents clearly show that I have initiated my billing disputes timely and properly. The mere submission of a bill statement from XXXX is legally insufficient as peremptory evidence that the XXXX account balance is accurate. That just gross bias. My documentation is not being taken seriously. My complaints are not being taken seriously and meanwhile XXXX XXXX is still wrongfully report me as delinquent and has never even so much as acknowledged my billing dispute.