Consumer complaint received 2025-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Subject : Dispute of Inaccurate Information on Credit Report To : Equifax Information Services LLC From : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX Phone Number : XXXX Email Address : XXXX Date : XX/XX/XXXX Account Number : XXXX Dispute Reference Number : XXXX ( Complaint ID ) Dear Equifax Information Services LLC XXXX This letter is to formally dispute the accuracy of the following information appearing on my credit report : Collection Account : Creditor/Debt Collector : XXXX XXXX, XXXX XXXX Account Number : XXXX Date of Last Activity : XX/XX/XXXX Reason for Dispute : Debt Not Owed : o I do not recognize this debt. 
Supporting Documentation ( Enclosed ) : Please allow this correspondence to serve as the formal response for XXXX XXXX XXXX XXXX ( XXXX ) to the complaint filed by XXXX XXXX ( Consumer ) as referenced in CFPB Case # XXXX. XXXX takes these complaints very seriously and we strive to ensure that we conduct business in a legal, professional, and courteous manner. Upon receiving the Consumer Financial Protection Bureau complaint, XXXX immediately requested that the account details be reviewed as they pertain to the allegations of this complaint and marked the account as disputed. After a thorough review of our procedures, as applicable to XXXX XXXX account, all credit reporting and collection activities have been conducted in a compliant manner and in accordance with corporate policies and procedures. We dont see any validity to any of the consumer allegations in the complaint ; however, as a courtesy, we will delete the account from the credit bureaus. Please direct any questions or requests for additional documents by any of the following : Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX. XXXX XXXX : XXXXXX/XX/XXXX XXXX. This communication is an attempt to collect a debt. Any information will be used for that purpose. XXXX XXXX XXXX XXXX Fair Credit Reporting Act ( FCRA ) Rights : Subject : Dispute of Debt and Notice of Revocation of Consent XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXX/XX/XXXXXXXX Dear XXXX XXXX XXXX XXXX, I am writing to formally dispute any and all debt that you claim I owe. I have no knowledge of this debt and require validation of the alleged debt. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, I demand that you cease all collection activity, including but not limited to, telephone calls, text messages, and emails. I hereby revoke any and all consent previously given for communication via these methods. I further request the following information : Debt Validation : A validation of the debt, including the original creditor, the amount owed, and a copy of the original agreement. Purchase Agreement : A copy of the original purchase agreement between the original creditor and myself. Licensing and Bonding : Proof that XXXX XXXX XXXX XXXX is properly licensed and bonded to conduct debt collection activities in my state of residence. Please be advised that, pursuant to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( A ), I am entitled to dispute any information in my credit report that I believe is inaccurate or incomplete. I expect a written verification of the debt within 30 days of this letter. Failure to provide the requested information within this timeframe XXXX result in further legal action. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX I am exercising my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) to dispute this inaccurate information. The FCRA requires you to investigate my dispute within 30 days and correct or delete the inaccurate information if you can not verify its accuracy. 
Request for Notification : Please notify me in writing of the results of your investigation within the timeframe required by the FCRA. 
Sincerely, ] XXXX XXXX

Company response to consumer: Closed with explanation