Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

Name : XXXX XXXX DOB : XX/XX/XXXX SS # : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX To whom it may concern, I am writing to formally dispute the validity of the debt referenced in your recent communication dated XX/XX/XXXX. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am exercising my right to dispute this debt and request verification. Specifically, I am requesting the following : Verification of the Debt : Please provide me with documentation that proves the validity of this debt, including a copy of the original signed contract or agreement bearing my signature. According to the FDCPA, you must provide this verification to prove that I am legally obligated to pay this debt. Proof of Signature : If no such documentation can be provided, you are required to delete any record of this debt from your files and cease all collection efforts. The Consumer Financial Protection Bureau ( CFPB ) and various state consumer protection laws stipulate that a debt collector must have valid proof that the debt is indeed owed by me. Until I receive the requested verification, I am requesting that you cease any collection activities related to this account. Additionally, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I request that you notify any credit reporting agencies to which this debt has been reported that the information is disputed and should not be included in my credit report. Please send me the requested verification within 30 days of receiving this letter. If you can not provide such documentation, I expect you to promptly remove any reference to this debt from your records and from any credit reporting agencies. Listed below are the Collections that are being challenged : XXXX - XXXX open date : XX/XX/XXXX, XXXX XXXX  - XXXX open date : XX/XX/XXXX, XXXX XXXX - XXXX open date : XX/XX/XXXX, XXXX XXXX - XXXX open date : XX/XX/XXXX, XXXX  - XXXX open XXXX, XXXX XXXX XXXX- XXXX open date : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXXXX open date:XX/XX/XXXX. These accounts are inaccurate. 

I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), specifically U.S. Code 1681s-2, which governs the duties of furnishers of information to credit reporting agencies. Under 1681s-2 ( b ) of the FCRA, when a consumer disputes the accuracy of information furnished to a credit reporting agency, the furnisher of that information must conduct a reasonable investigation to determine whether the disputed information is accurate. This section requires that : Verification of the Debt : You must provide me with documentation that validates this debt, including a copy of the original signed contract or agreement bearing my signature. Without such documentation, you can not legally assert that this debt is valid. Correction of Information : If you are unable to provide proof of this debt or if the documentation provided is inaccurate, you are required to notify the credit reporting agencies to which you have reported this debt that the information is disputed and request that it be removed from my credit report. This is in compliance with 1681s-2 ( b ) and the requirement for accurate reporting. Cease Collection Activities : Until I receive the requested verification, I ask that you halt all collection activities related to this account. Under the FDCPA, you are not permitted to continue collection efforts without proper validation of the debt. Please provide the requested documentation within 30 days of receipt of this letter. If you can not verify the debt, In the interest of ensuring the accuracy and integrity of the credit reporting system, we dispute the reportability of any claim that you fail to prove conclusively, especially with regards to the mandatory Metro 2 Compliance standards which can be found in the attachment below. As you are aware, these standards are clearly outlined in the CDIA 's nearly annual CRRG, which stipulates that any deviation from these standards risks compromising the integrity of the data. Thank you for your prompt attention to this matter. I look forward to your response.