Product: Credit reporting or other personal consumer reports

I am writing to formally express my dissatisfaction and concern regarding the mishandling of my credit report and the lack of compliance with federal laws, specifically the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). This letter outlines the violations I have identified and seeks immediate corrective action to rectify the harm caused by these breaches.

1. Failure to Notify of Debt Sale and Transfer Under the FDCPA ( 15 U.S.C. 1692g ), debt collectors and debt purchasers are required to notify consumers of the transfer or sale of a debt within 30 days of acquisition. This notification must include : The exact amount of the debt, The name of the original creditor, and A clear statement of my rights to dispute the debt within 30 days. 

I have not received any such notification from XXXX XXXX XXXX, XXXX XXXX XXXX, or any other debt collection agencies regarding the accounts reported. This failure denies me the opportunity to validate or dispute the debts, violating my legal rights. Consequently, I demand the immediate removal of all unverified accounts associated with these entities from my credit file. 



2. Violations of FCRA : Inaccurate and Unverified Reporting The FCRA ( 15 U.S.C. 1681 ) mandates that credit reporting agencies ( CRAs ) like Equifax ensure that all information included in consumer credit reports is accurate, complete, and verifiable. When I disputed the following accounts : XXXX XXXX XXXX XXXX XXXX I received responses indicating these accounts were verified ; however, no documentation or evidence supporting their validity was provided. Under the FCRA, if a furnisher of information can not verify the accuracy of the data, it must be removed. Failure to remove unverifiable information constitutes a violation of FCRA protections. 

Additionally, the FCRA obligates CRAs to conduct a thorough investigation of disputed items. I contend that Equifax has not adhered to the requirement of a reasonable investigation under FCRA 611 ( 15 U.S.C. 1681i ), which further undermines my confidence in the integrity of your processes.

3. Unlawful Credit Inquiries The FCRA ( 15 U.S.C. 1681b ) restricts credit inquiries to those explicitly authorized by the consumer or conducted for permissible purposes, such as extending credit or pre-employment screening. The unauthorized inquiries by XXXX XXXX XXXX and others constitute a clear violation of this statute. These inquiries negatively impact my credit score and reputation, and I demand their immediate removal from my credit report. 





XXXX. Failure to Provide Evidence of Contracts and Authorization For the accounts you claim I am responsible for, I formally request : Copies of Original Contracts : Evidence that I signed agreements with the original creditors.

Documentation of Debt Transfers : Proof of the legal sale or transfer of these accounts, accompanied by notifications sent to me as required by the FDCPA.

Without these, the continued reporting of these accounts is baseless and violates my rights under both FCRA and FDCPA. I urge Equifax to fulfill its legal duty by ensuring that only legitimate, validated accounts are included in my credit file. 



XXXX. Violations of Consumer Protection Laws The above actions ( or lack thereof ) represent breaches of key consumer protection laws, including : FDCPA Violations : Failure to notify of debt transfers and validate debts under 15 U.S.C. 1692g.

FCRA Violations : Failure to verify or delete inaccurate and unverifiable information under 15 U.S.C. 1681b, 1681e ( b ), and 1681i.

These violations are harming my creditworthiness and cause undue stress and inconvenience. 

Equifax failed to conduct adequate investigations of dispute information in credit reports.