Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I am submitting this complaint regarding a collection account that continues appearing on my credit report despite multiple disputes and repeated requests for investigation. Account information : * Collection Agency : XXXX XXXX XXXX XXXX * Original Creditor : XXXX XXXX XXXX XXXX * Reported Balance : {$1500.00} * Account Number : ending in XXXX XXXX XXXX XXXX XXXX XXXX XXXX I disputed this account multiple times because I believe the reporting is inaccurate and/or unsupported. Each time, the account was returned as verified, but I was not provided meaningful evidence showing how the information was verified. Under the Fair Credit Reporting Act ( FCRA ), I requested a reasonable reinvestigation of disputed information. I am requesting : XXXX. A detailed explanation of the investigation process used to verify this account. XXXX. Identification of the party and records relied upon to verify the account. XXXX. Copies of any documentation supporting the reported balance, dates, and ownership of the debt. XXXX. Correction or deletion of any information that can not be substantiated. XXXX. Confirmation that my dispute history and all supporting materials were reviewed. If the account is being reported as XXXX debt, I also request confirmation that reporting complies with current credit reporting requirements applicable to XXXX XXXX. I am attaching documentation showing prior disputes and the current reporting status. Requested resolution : * XXXX a proper reinvestigation; * Correct or delete inaccurate information ; and * Provide written results and supporting documentation. This account involves protected medical information and is subject to strict XXXX privacy laws. You have failed to demonstrate : XXXX authorization Lawful right to possess or disclose my medical data XXXX signed agreement for this debt XXXX medical information without proper authorization constitutes a serious violation of my privacy rights. Additionally, your reporting violates : FCRA accuracy requirements FDCPA prohibitions on misleading representation of debt I demand full validation of this account Proof of XXXX authorization Immediate deletion if such proof can not be provided If you continue reporting this account without validation I will file XXXX complaints XXXX the XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CFPB and FTC complaints XXXX legal action for privacy violations and damages DELETE this account or provide lawful proof immediately. This is a formal notice before legal action is taken. According to 15 usc 1681 I have the right to dispute inaccurate and unverifiable Information that's on my credit report. I disputed multiple times with credit bureaus and it's coming back as updated and verified without a proper investigation.The company failed to send me any of the information I requested even with my other complaint they never sent verification of debt, the ORIGINAL Contract bearing my signature & explanation of the amount and how it was calculated. Please conduct yourselves accordingly. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation