Consumer complaint received 2025-08-16 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 regarding the following account ( XXXX ) that are being reported under your name on my credit reports and/or for which you have contacted me regarding collection. I dispute the validity of these debts and hereby demand that you immediately cease all collection activities and communications concerning these accounts, as explained below. 

Accounts in Dispute : XXXX XXXX Account No : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX be advised that I do not acknowledge these debts as valid. Under the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to request validation of each alleged debt. Pursuant to 15 U.S.C. 1692g ( b ), if a consumer disputes a debt in writing, the debt collector must cease collection until it has obtained verification of the debt and mailed it to the consumer. Therefore, you are required to suspend all collection efforts and communications on the above account ( s ) until you provide me with documentation verifying the debt ( e.g. account statements, agreement, or judgment ).

Furthermore, under 15 U.S.C. 1692c ( c ), I hereby demand that you cease and desist all further contact with me regarding these account ( s ). It is against federal law to contact me again after I have asked you to stop ; the law is the Fair Debt Collection Practices Act, 15 U.S.C.1692c ( c ). You are only permitted to contact me to confirm receipt of this notice, to advise that no further collection efforts will be taken, or to notify me of an invocation of a specific legal remedy ( if you intend to take such action ). If you continue to contact me about these debts in violation of this notice, I will report your conduct to the Consumer Financial Protection Bureau and the Federal Trade Commission, and I will consider legal action to enforce my rights ( including seeking statutory damages ).

In addition, I demand the production of a signed contract or agreement for each account. You must provide a copy of the original contract or account agreement bearing my signature that created each debt and establishes my obligation to repay. This is necessary to validate that I am legally responsible for the debt. If you can not produce a contract with my signature for any account, then that account is unverifiable and must be immediately deleted from my credit reports. Under the Fair Credit Reporting Act ( FCRA ), any credit information that can not be verified must be deleted from a consumers credit file. The CFPB has reaffirmed that companies must tell credit reporting companies to remove information that they can not verify after a consumer disputes it. Therefore, for any account where you lack such proof of my liability, you are expected to promptly instruct all credit reporting agencies to delete that account from my credit profile and to cease any further collection efforts on it.

Additionally, be advised that under 15 U.S.C. 1692e ( 8 ) of the FDCPA, a debt collector must not communicate false credit information including the failure to communicate that a disputed debt is disputed. Now that I have informed you in writing that I dispute these debts, any future credit reporting related to these accounts must clearly indicate that they are disputed by the consumer. If you have already furnished information on these accounts to any credit reporting agency, you are required to update each account to reflect that it is disputed by consumer ( or remove the account entirely if you can not validate it ). Failure to properly report a known dispute is a violation of the FDCPA. 

In summary, I insist that you promptly take the following actions regarding the above account ( s ) : 1. Cease All Contact : Stop all communications with me about these debts, except as permitted by law ( 15 U.S.C.1692c ( c ) ), such as a one-time notice to confirm termination of collection or to inform me of an intended legal action. 
XXXX. Validate the Debt : Provide written validation of each alleged debt, including copies of the original signed contract or agreement for each account and a full accounting of the amount you claim is owed. 
XXXX. Remove Unverifiable Information : If you can not verify an account ( for example, if you can not produce a contract bearing my signature ), instruct all consumer credit reporting agencies to delete the account from my credit reports immediately. By law, any item that can not be verified must be deleted from a credit report ; accordingly, you must ensure the credit bureaus remove information that you can not verify.

4. Mark as Disputed : For any information you have already furnished to credit bureaus regarding these accounts, update the reporting to show that the debt is disputed, as required under 15 U.S.C.1692e ( 8 ).

5. Confirm in Writing : Within 30 days of receiving this letter, send a written response confirming that you have complied with all the above ( ceased communication, provided copies of the requested documents or deleted any unverified accounts from my credit files, and updated any remaining account reporting to reflect the dispute ).

Please be aware that failure to comply with these demands may constitute further violations of federal law. I am prepared to escalate this matter by filing complaints with the CFPB, the FTC, and the state Attorney General, and to pursue legal action if necessary to protect my rights. Your continued reporting of unverifiable or disputed debts, or continued collection attempts, will be well documented. 

Thank you for your prompt attention to this notice. I expect your full compliance and a written response within 30 days of receipt.

Company response to consumer: Closed with non-monetary relief