Consumer complaint received 2025-11-10 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: FL

Complaint narrative:
Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 623 ( 15 U.S.C. 1681s-2 ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Sections 809 ( 15 U.S.C. 1692g ) and 807 ( 15 U.S.C. 1692e ), I am disputing the following collection account that appears on my credit report : Creditor/Collection Agency Name : XXXX XXXX XXXX Original Creditor : [ Not listed ] Account Number ( Partially Masked ) : XXXX * * * * Amount : {$3500.00} Date of Account Opening : XX/XX/XXXX Highest Credit Reported : {$3500.00} Current Status : Collection / Charge-off ( Derogatory ) Last Reported Update : XX/XX/XXXX ( Equifax ) I do not recognize this account and believe it was placed on my credit report without proper authorization. Therefore, I request an immediate investigation and removal of this account from my credit report as required by law. 

Legal Reference : Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), and supported by precedents such as Marchisio v. Carrington Mortgage Services ( 2019 ), I request a thorough investigation and removal of the unauthorized collection account from my credit report.

This jurisprudence highlights the obligation of creditors to conduct reasonable and accurate investigations when a dispute is raised, and failure to do so can be considered a violation of the FCRA.

Additionally, under Section 623 ( 15 U.S.C. 1681s-2 ) of the FCRA, creditors and collection agencies are obligated to report accurate information. If the disputed account has been reported inaccurately, this must be corrected immediately, and a full investigation should be conducted as required by law. 

Furthermore, under Section 807 ( 15 U.S.C. 1692e ) of the FDCPA, debt collectors are prohibited from using any false or misleading representations when attempting to collect a debt. 

Based on the provided credit report details, I believe the disputed account has been presented in a misleading or incorrect manner on my credit report. 

I would appreciate it if all collection efforts were suspended until proper validation has been provided. This will ensure that any further action complies with the law and is based on accurate and validated information. 

Requested Documentation for Validation : Proof of responsibility A signed contract or original agreement confirming my obligation to pay this debt. 

Breakdown of charges A detailed list of fees, interest, and payments applied to this account. 

Details on the debts transfer The name of the entity that acquired the debt and the exact amount at the time of transfer. 

Proof of your authority Legal documentation confirming that your agency is authorized to collect this debt. 

If you can not validate this debt in accordance with the FCRA and FDCPA, I request that it be removed from my credit report immediately. Reporting inaccurate information without proper validation may constitute a violation of these laws, and I may take appropriate legal action if necessary.

Company response to consumer: Closed with explanation