Consumer complaint received 2025-01-25 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:
I am writing in regard to a debt from XXXX XXXX XXXX Account # XXXX, you have claimed I owe. I request your strict compliance with federal laws governing debt collection, credit reporting, and consumer protection. Please consider this letter as my formal dispute and request for validation of the alleged debt pursuant to the following statutes : XXXX. 15 U.S. Code 1692c Under the Fair Debt Collection Practices Act ( FDCPA ), I hereby request that all future communication regarding this matter be made in writing to the address provided above. Furthermore, any further attempts to contact me via phone, at my place of employment, or through third parties without my consent will be considered a violation of this statute.

2. 15 U.S. Code 1692g Pursuant to my rights under this provision, I formally request validation of the debt. Please provide the following information within 30 days of your receipt of this letter : A detailed accounting of the alleged debt, including the date the debt was incurred, the amount, and a breakdown of fees, interest, and other charges.

Evidence that you are authorized to collect this debt.

A copy of the original signed agreement or contract creating the debt.

Failure to provide this documentation within the specified time will result in your claim being considered invalid.

3. 15 U.S. Code 1681e ( b ) Under the Fair Credit Reporting Act ( FCRA ), any information reported to credit bureaus must be accurate and verifiable. If this alleged debt has been reported to any credit reporting agency, I demand immediate investigation and correction of any inaccurate or unverifiable information. Provide me with the results of your investigation and any documentation supporting the validity of this debt.

4. 15 U.S. Code 1681a ( w ) This section defines the term consumer reporting agency that compiles and maintains files on consumers on a nationwide basis. If you or any associated agency fall under this definition, you are obligated to follow all requirements outlined in the FCRA. I remind you of your duty to ensure that all data associated with this alleged debt complies with accuracy, completeness, and fairness standards.

5. 15 U.S. Code 1681n Be advised that any willful noncompliance with the FCRA will subject you to liability for damages, including actual damages, punitive damages, court costs, and attorneys fees. I reserve the right to pursue all available legal remedies if violations of my rights under federal law occur.

Summary of Demands To ensure compliance with the above-mentioned statutes, I request : Written communication only.

Validation of the alleged debt within 30 days.

Immediate cessation of reporting of inaccurate or unverifiable information to any credit reporting agency.

Assurance that your actions are in compliance with federal laws to avoid further legal repercussions.

Failure to comply with my requests within the timeframes stipulated by law will result in my pursuing further legal action, including filing complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and my state attorney generals office.

I expect your prompt attention to this matter and look forward to your response within 30 days of receipt of this letter. Please be advised that this letter serves as formal notice and all rights are reserved under applicable federal law.

Company response to consumer: Closed with explanation