Consumer complaint received 2023-05-22
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am writing to dispute a collection entry that appears on my Equifax credit report. After comparing my credit reports from other credit reporting agencies, namely XXXX and XXXX, it has come to my attention that the collection entry in question does not match the information provided by these agencies. As a consumer protected under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I kindly request that you investigate this matter and remove the inaccurate collection entry from my Equifax credit report. 

As per the provisions of the FDCPA, I have the right to request verification of this debt and ensure its accuracy. I hereby exercise this right and request that Equifax, as the reporting agency, provide me with the following information regarding the collection entry : The name and contact information of the original creditor. 
The amount of the debt. 
Proof of any assignment or transfer of the debt. 
Documentation showing that I am legally responsible for the debt. 
Any other relevant information that validates the accuracy and legitimacy of the collection entry. 
I also request that Equifax conduct a thorough investigation into the accuracy and validity of the collection entry. This includes verifying whether all required legal steps were followed in reporting and collecting the debt. In case Equifax is unable to provide the requested information or fails to substantiate the accuracy of the collection entry, I expect it to promptly remove the entry from my Equifax credit report. 

I would like to remind Equifax of its obligations under the FCRA to ensure that the information it reports is fair, accurate, and complete. It is imperative that all credit reporting agencies maintain the highest standards of accuracy and fairness in reporting consumer credit information. Inaccurate or incomplete information can have a detrimental impact on my creditworthiness and financial well-being. 

Enclosed with this letter, please find copies of my credit reports from XXXX and XXXX, clearly indicating the absence of any collection entries for the specified account. These reports serve as compelling evidence of the discrepancy between Equifax 's record and that of the other credit reporting agencies. It is evident that there has been an error in reporting, and I kindly request your immediate attention to rectify this situation. 

In accordance with the FCRA and the FDCPA, I request the following actions be taken : Conduct a thorough investigation into the accuracy and validity of the collection entry. 
Provide me with the requested verification of the debt and supporting documentation. 
If the investigation reveals that the collection entry is inaccurate or unverifiable, promptly remove it from my Equifax credit report. 
Provide me with a written response within the legally mandated timeframe of 30 days, detailing the actions taken to resolve this dispute. 
Please acknowledge receipt of this letter and provide me with a written confirmation of the actions taken to resolve this matter. I can be reached at the phone number or email address provided below should you require any further information or documentation regarding this dispute. 

Failure to comply with the FCRA and the FDCPA or rectify this issue within the specified timeframe may compel me to exercise my rights under the law, including filing a complaint with the Consumer Financial Protection Bureau and pursuing legal action. 

Thank you for your immediate attention to this matter. I anticipate a prompt resolution and the removal of the inaccurate collection entry from my Equifax credit report.

Company response to consumer: Closed with explanation