Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

I am writing to dispute the following inaccuracies that I have identified on my credit report : XXXX. **Account Name : XXXX XXXX XXXX** - Account Number : XXXX - Amount : {$XXXX} The collection agency has failed to validate this debt despite my requests. I would like to know how this account was verified. Under the Fair Debt Collection Practices Act ( FDCPA ), I demand the immediate removal of this account from my credit report as its presence constitutes a violation. 

XXXX. **Account Name : XXXXXXXX XXXX XXXX* - Account Number : XXXX - Amount : {$XXXX} According to section 1681b ( g ) ( 3 ) of this title, certain exclusions are inapplicable for information disclosed to persons related by common ownership or affiliated by corporate control, especially with respect to medical information and lists describing or aggregating payment transactions for medical products or services. I request clarification on the verification of this debt and insist on adherence to the privacy requirements stipulated by law. I demand an immediate removal of this account from my credit report as its presence constitutes a violation.

3. **Account Name : XXXX** - Account Number : XXXX - XXXX : {$XXXX} This account is in violation of 15 U.S.C. 1681i ( 7 ), which pertains to the method of verification. It has been reported without valid evidence to support its validity. I request a thorough reinvestigation and removal of this item. 

XXXX. **Account Name : XXXX** - Account Number : XXXX - XXXX : {$XXXX} In accordance with 15 U.S.C. 1681i ( 5 ), if an item of information is found to be inaccurate or can not be verified after any reinvestigation, it must be DELETED. This account falls under this statute, and I demand that action be taken to correct my credit file promptly. 

XXXX. **Account Name : XXXX** - Account Number : XXXX - Amount : {$XXXX} I am disputing the validity of this account under 15 U.S. Code 1681i. This law requires that inaccurate or unverifiable information be removed from my credit report after a reinvestigation. This account has been reported without valid evidence of its accuracy. I request a thorough reinvestigation and the immediate removal of this item from my credit report. 

These errors have negatively impacted my credit score and could result in significant harm to my financial standing. I expect a prompt response to this letter, and pursuant to the FCRA, I request that these disputed items be investigated within the statutory timeframe of 30 days. 
Please send me documentation reflecting the outcome of your investigation and the actions taken to rectify these issues on my credit report. 
Should you continue to report these items without properly verifying them, be aware that I am prepared to escalate this matter to ensure my rights under consumer protection laws are fully upheld. 

Thank you for your prompt attention to these serious matters. 
Sincerely, Attachment : copy of the credit report with disputed items highlighted