Consumer complaint received 2025-06-16 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: CA

Complaint narrative:
Date : XX/XX/XXXX To : Experian XXXX Department XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX TransUnion XXXX XXXX. XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute and Debt Validation Request XXXX XXXX Account ( {$510.00} ) Dear Credit Bureau XXXX Department ( XXXX ), I am writing to formally dispute and request the immediate permanent deletion and/or blocking of the following collection account reporting inaccurately on my credit report : Collection Agency : XXXX XXXX : {$510.00} This account is either inaccurate, unverifiable, or not legally authorized to be reported under current federal law. I am demanding its immediate removal in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
XXXX XXXX Grounds : XXXX XXXX. XXXX ( c ) : Once I dispute and request validation, the collector must cease all communication and reporting unless full validation is provided. 
XXXX XXXX. XXXX : I hereby request written debt validation including the name of the original creditor, itemized debt information, and proof of legal collection authority. 
XXXX XXXX. XXXX : This law protects consumers from being bound to debt obligations that are not legally valid or enforceable. 
XXXX XXXX. XXXX : Under the Truth in Lending Act, creditors must apply payments correctly and fairlyfailure to do so invalidates late claims. 
XXXX XXXX. XXXX ( b ) : Credit bureaus are required to follow procedures to ensure maximum possible accuracy. Reporting unverifiable or invalid debt violates this section. 
XXXX XXXX. XXXX : You must delete any account that can not be fully verified within 30 days. 
Debt Validation Request : In compliance with XXXX XXXX. XXXX, I formally request the following documents from XXXX or the furnisher of this debt : A signed agreement or contract showing that I legally owe this debt. 
An itemized breakdown of the alleged amount ( principal, interest, fees ). 
A copy of the assignment contract between the original creditor and XXXX. 
A XXXX XXXX XXXX outlining the legal right and authority to report and collect this debt. 
XXXX of full compliance with Regulation F of the FDCPA. 
Formal Requests : Immediately reinvestigate the XXXX account as required by FCRA. 
Permanently delete or block this collection account from my credit file if the documentation above can not be fully validated. 
Do not reinsert this account unless it is verified under strict compliance with XXXX XXXX. XXXX ( a ) ( XXXX ) ( B ). 
Provide written confirmation of the reinvestigation results and all actions taken. 
Failure to comply within the XXXX window provided by law will result in a formal complaint filed with the Consumer Financial Protection Bureau XXXX CFPB ) and the Federal Trade Commission XXXX FTC ). I also reserve the right to pursue legal remedies under XXXX XXXX. XXXX and XXXX for willful and negligent noncompliance with the FCRA and FDCPA. 

Thank you for your immediate attention to this matter. I expect full resolution within the timeframe mandated by federal law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation