Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Name : XXXX XXXX XXXX : XX/XX/XXXX Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX Last XXXX of XXXX : XXXX Email : XXXX Phone : XXXX Date : XX/XX/XXXX Re : Dispute of Account XXXX XXXX XXXX  Account # XXXX Introduction I am submitting this dispute under my rights pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. The account reported by Online Information Ser. contains inconsistencies, incomplete data, and inaccuracies across all three consumer reporting agencies. Furthermore, I never received a legally required validation notice, and I dispute both the validity of this account and the collectors right to report it. 

Grounds for Dispute 1. Failure to Provide Notice ( 1692g FDCPA ; 623 ( a ) ( 7 ) FCRA ) I have never received a validation notice by mail. If the collector claims notice was sent, I demand proof of mailing and the address used. Case law makes clear that bare claims of mailing without evidence are insufficient ( see XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) ). 

XXXX. Inconsistent & Incomplete Reporting ( 607 ( b ) FCRA, 15 U.S.C. 1681e ( b ) ) Status conflicts : TransUnion = Open / CollectionCharge Off Equifax = Refinanced / No Data Experian = Charge Off / Collection Term Source/Type is blank on all bureaus. 

Payment history is unavailable, which makes the tradeline incomplete and unverifiable under 623 ( a ) ( 1 ) ( A ) FCRA. 

3. Potential Re-Aging of Debt ( 623 ( a ) ( 5 ) FCRA ; FTC Staff Commentary ) TransUnion reports Last Activity XX/XX/XXXX, Equifax and Experian Last Activity XX/XX/XXXX, despite this being an extremely old account with no consumer activity in XXXX. 

Artificially updating or re-aging the debt constitutes a violation of the FCRA ( see FTC XXXX XXXX XXXX XXXX XXXX, XXXX settlement ). 

4. Failure to Establish Right to Collect ( 1692e FDCPA ; CFPB Compliance Bulletin XXXX ) I demand assignment/chain of title and proof the collector is licensed where required. Without this, they can not lawfully report or collect. 

Legal Rights & Enforcement Disputes via CFPB.gov must be treated as direct disputes under 623 ( a ) ( 8 ) FCRA. A furnishers duty to investigate and correct applies regardless of whether the dispute originates through the CRA or CFPB. 

If the CRA verifies this account as accurate, I am invoking my right under 611 ( a ) ( 6 ) ( B ) ( iii ), 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) to a Method of Verification. This requires : The business name, address, and telephone number of the furnisher contacted. 

A description of the documentation relied upon in verification. 

I expect the CRA to comply within 15 days of my request after any verification. 

Demand for Action Remove/Delete this tradeline if it can not be fully validated with proper documentation. 

If validated, provide a complete Method of Verification as required by law. 

Cease all inaccurate, incomplete, or misleading reporting. 

Deadlines 30 days : CRA investigation d

eadline per 611 ( a ) ( 1 ) FCRA. 15 days : MOV ( Method of Verification ) respons
e deadline following any verification. 

If this account is verified as accurate after reinvestigation, I hereby demand the full Method of Verification pursuant to 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). This requires you to provide, within 15 days of your verification notice, the business name, address, and telephone number of each furnisher you contacted, as well as a description of the documentation relied upon in verifying this information. This request is made now to ensure that the statutory deadline begins immediately upon any verification, without the need for a separate request. 

Preservation of Rights This letter serves as formal notice that I am preserving all rights to pursue claims under FCRA, FDCPA, and state law for continued violations, including statutory damages, actual damages, attorneys fees, and injunctive relief. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation