Consumer complaint received 2025-02-05 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: NY

Complaint narrative:
Dear Compliance Department, I am writing to formally dispute the validity and reporting of the above-referenced account purportedly owned by XXXX XXXX XXXX and XXXX by XXXX XXXX XXXX XXXX XXXX XXXX Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ) and the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ).

1. Inadequate Proof of Debt Validation : Under FDCPA 809 ( 15 U.S.C. 1692g ), debt collectors are required to provide sufficient evidence that substantiates the validity of the alleged debt. In your correspondence dated XX/XX/XXXX, you referenced bill statements and terms and conditions on file as validation. However, these documents alone do not constitute adequate proof of debt ownership or the legitimacy of the debt claim. I hereby request clear and verifiable documentation, including : Proof of assignment or sale of the debt from XXXX XXXX Bank, XXXX. to XXXX XXXX XXXX ; Full payment history that demonstrates how the amount alleged became due, including any fees or interest added ; Evidence that XXXX XXXX XXXX has the legal right to collect on this account. 
2. Erroneous Credit Reporting : The credit bureaus use the " Date of First Delinquency '' to determine the timeline for derogatory reporting under FCRA 605 ( 15 U.S.C. 1681c ). You have indicated this date as XX/XX/XXXX, but no substantiating documentation has been provided. Additionally, I dispute the accuracy of how this account is reported. 
Under FCRA 623 ( 15 U.S.C. 1681s-2 ), data furnishers must ensure that information reported to credit bureaus is accurate and complete. If this can not be demonstrated, I demand that you cease reporting this account and ensure its deletion from my credit reports.

3. Allegations of Unfair Practices : In your response dated XX/XX/XXXX, you claim compliance with federal and state debt collection laws. However, the lack of meaningful investigation and resolution of my concerns raises potential violations under FDCPA 807 ( 15 U.S.C. 1692e ), which prohibits false or misleading representations in connection with the collection of any debt. 
Demand for Action : Given the above concerns, I respectfully request : Comprehensive validation of the alleged debt in compliance with FDCPA 809 ; Immediate investigation and correction of any inaccuracies related to credit reporting ; A cease-and-desist directive regarding further collection activities until proper validation is provided ; Written confirmation that any inaccurate information has been corrected or removed. 
Failure to provide the requested documentation or to correct any reporting errors within XXXX  days will prompt me to file further complaints with the Consumer Financial Protection Bureau, the Federal Trade Commission, and my states Attorney General. 
Please respond in writing to this dispute at the address listed above. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation