Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
To : Equifax Information Services LLC XXXX. XXXX XXXX XXXXXXXX XXXX  XXXX From : XXXX XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXXXXXX Date : XXXX XXXX XXXX  Subject : Formal Dispute and Debt Validation Demand First Federal Credit Collection {$610.00} Dear Equifax Dispute Department, I am formally disputing the collection account listed below that is currently reporting on my Equifax credit file : Creditor Name : First Federal Credit Account Balance : {$610.00} I do not recognize this account, and I dispute its accuracy, origin, and legal basis to appear on my consumer report. This account is causing undue damage to my credit profile and is in direct violation of numerous federal consumer protection laws, including but not limited to the following : Legal Basis for Removal : 15 U.S.C. 1692c ( c ) ( FDCPA ) : I hereby demand a cease in collection communications, including through the credit reporting system, until this account is fully validated.

15 U.S.C. 1692g ( a ) : I request debt validation as required by the FDCPA. Until the collector provides proper documentation, they are barred from continued collection, including reporting.

15 U.S.C. 1681b ( FCRA ) : The reporting of this debt without permissible purpose violates my right to privacy under federal law.

15 U.S.C. 1681o & 1681n : Knowingly reporting inaccurate or unverifiable data is a willful violation, subject to statutory damages, attorneys fees, and punitive damages.

15 U.S.C. 1666b ( Fair Credit Billing Act ) : If finance charges or fees were assessed, I demand a full breakdown and proof of compliance with billing regulations.

12 CFR 1026.13 : This requires timely correction of billing errors and immediate notice to the consumer of resolution.

Regulation F ( 12 CFR 1006.34 ) : The debt collector must provide a validation notice disclosing the name of the creditor, itemization of the debt, and explanation of consumer rights.

Debt Validation Letter ( Embedded Within Dispute ) To Whom It May Concern : This is a formal request for debt validation made in accordance with the Fair Debt Collection Practices Act ( FDCPA ). Please provide the following documents for the XXXX XXXX XXXX collection account listed above : The complete chain of title including the original creditor 's name, account number, and balance. 
A copy of the signed assignment contract between XXXX XXXX XXXX and any third-party collection agency reporting this debt. 
The Forward Flow Agreement, if applicable, showing transfer of servicing or ownership. 
A complete payment and charge-off history, showing how the alleged amount of {$610.00} was derived. 
Proof that you are licensed and authorized to collect debts in the state of California, with your NMLS or state registration number. 
A copy of the contract, note, or application allegedly bearing my signature, linking me to this debt. 
Unless you can fully verify this account with the documents requested above, you are legally required to delete it from my credit report under both FCRA and FDCPA guidelines. 
Next Steps In accordance with FCRA 1681i, Equifax has 30 days to complete a reasonable reinvestigation. If the account is found to be unverifiable, inaccurate, or incomplete, it must be permanently deleted from my file. 
Failure to act in compliance will result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the California Department of Financial Protection and Innovation. I reserve the right to seek civil damages in federal court for willful noncompliance under 15 U.S.C. 1681n and 1692k. 
I respectfully request written confirmation once this matter has been fully investigated and the account has been deleted from my credit report. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation