Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
To Whom It May Concern, I am the authorized representative of the estate of XXXX XXXX XXXX, and I am formally disputing the following inaccuracies and unlawful reporting on the credit report associated with the estate. The derogatory marks and inquiries listed below are fraudulent, unverified, and in direct violation of multiple federal laws including the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Truth in Lending Act ( TILA ), and Internal Revenue Code ( IRC ). 

DEMAND FOR REMOVAL OF THE FOLLOWING REMOVE ALL HARD INQUIRIES REMOVE INCORRECT NAMES & ADDRESSES ( Only XXXX XXXX XXXX should be listed ) REMOVE SIX ( 6 ) LATE PAYMENTS FROM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The entities reporting this information have failed to provide sufficient documentation proving their claim to the alleged debts. The creditors and credit bureaus have violated multiple federal consumer protection laws, and this letter serves as notice of intent to pursue legal action should these violations persist. 

VIOLATIONS OF FEDERAL LAW 1. Violation of FCRA 611 ( 15 U.S.C. 1681i ) Failure to Conduct a Proper Investigation Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit reporting agencies must conduct a reasonable reinvestigation when a dispute is submitted. 

The creditors have failed to provide any legally admissible documentation proving their right to report these alleged debts against the estate. 
No original signed contract with wet-ink signature has been provided, proving an unverified and inaccurate debt claim. 
This failure violates 15 U.S.C. 1681e ( b ), which requires credit bureaus to maintain maximum possible accuracy in reporting. Since the negative accounts and inquiries remain without proper validation, they must be removed immediately. 

2. Violation of FCRA 609 ( 15 U.S.C. 1681g ) Right to Full Disclosure Under FCRA 609 ( a ) ( 1 ), the credit bureaus and data furnishers are required to provide a complete file disclosure, including all documents used to verify any disputed account.

The creditors have not provided an affidavit of ownership proving they have a lawful right to collect on the alleged debt.

The credit bureaus have not supplied IRS accounting forms ( such as 1099-C, 1099-A, 1041, or 56 ), which are required to validate the legitimacy of these accounts. 
Failure to provide these records constitutes willful noncompliance under FCRA 616 and subjects the responsible parties to legal liability and financial penalties.

3. Violation of FDCPA 809 ( 15 U.S.C. 1692g ) Debt Validation Requirement Under FDCPA 809, a debt collector must provide proper validation of debt upon request. 

The alleged creditors have not provided any legal proof of ownership of the debt in question. 
If the alleged creditors can not produce a verified contract and full transaction history proving the estate 's liability, they have no legal right to report or collect on the debt. 
Reporting unverifiable debt is an FDCPA violation, and the credit bureaus are now liable for defamation of financial character under 15 U.S.C. 1681n and 1681o.

4. Violation of Internal Revenue Code ( IRC ) Improper Accounting Practices Under 26 U.S.C. 6050P, any creditor that " writes off '' a debt must issue a 1099-C Cancellation of Debt form. 

Has XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX filed a 1099-C with the IRS? 
Failure to issue this form proves the debt has not been lawfully discharged or reported, making its collection and reporting fraudulent. 
Since these entities are falsely reporting a non-existent or unenforceable debt, this violates both IRS regulations and fair credit reporting laws.

Company response to consumer: Closed with non-monetary relief