Consumer complaint received 2025-01-07 00:00:00
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.
State: GA

Complaint narrative:
Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Request for Removal of Unverified Debt - Account XXXX Dear Equifax , I am writing to formally request the removal of an account reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX associated with Account Number XXXX, from my credit report. Despite multiple attempts to resolve this matter directly with XXXX, they have failed to validate the alleged debt adequately, violating my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

Background and Legal Violations I disputed this account with XXXX and requested debt validation, as required under the FDCPA. XXXX responded with vague statements denying misconduct but failed to provide legally sufficient documentation to validate the debt. Specifically, XXXX did not provide : 1. An itemized breakdown of the alleged debt.

2. The original signed agreement or contract with the original creditor.

3. Evidence of their legal right to collect, such as a purchase agreement or assignment contract. 



Moreover, XXXX has continued to report this unverified and inaccurate account to Equifax in violation of the FCRA, specifically : 15 U.S.C. 1681e ( b ) : Requiring credit reporting agencies to maintain reasonable procedures to ensure the maximum possible accuracy of information in consumer reports.

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Requiring credit reporting agencies to investigate disputes and verify the accuracy of disputed information. 


Violation of Verification Requirements Under FCRA Equifaxs reporting of this account without proper verification also violates 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). Under this provision, you are required to provide specific details about the method of verification used during your investigation of the dispute. To date, no such details have been provided. Failure to explain how the information was verified constitutes a breach of your obligations under the FCRA. 

My Demands I formally request that Equifax take the following actions : 1. Immediately remove this account ( Account XXXX ) from my credit report, as XXXX has failed to validate the debt and the continued reporting of this account constitutes a violation of my rights under the FCRA. 


2. Provide me with a detailed explanation of the method of verification used to investigate the accuracy of this account, in compliance with 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). 



Consequences of Non-Compliance If Equifax fails to remove this account and provide the requested verification details, I will pursue all available legal remedies, including : 1. Filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 


2. Initiating legal action for violations of the FCRA, including 15 U.S.C. 1681e ( b ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), and 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), for allowing the continued reporting of unverified and inaccurate information. 



I expect Equifax to resolve this matter within the legally mandated 30-day period and provide a written response with the results of your investigation, as well as the requested verification details. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief