Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Subject : Formal Dispute Request for Permanent Deletion of XXXX XXXX XXXX XXXX Account Dear XXXX Credit Bureau Name ] Dispute Department, I am writing to formally dispute the collection account listed under XXXX XXXX XXXX on my credit report. This account is inaccurate, unverifiable, and reported in violation of my consumer rights, and I am demanding that it be permanently deleted from my credit file. 

The details of the disputed account are as follows : Creditor : XXXX XXXX XXXX Balance : {$2300.00} Legal Basis for Dispute : Under my rights as a consumer, I am demanding the deletion of this collection account in accordance with the following laws : XXXX. FCRA ( 15 U.S.C. 1681 et seq. ) The Fair Credit Reporting Act requires that all information reported to credit bureaus must be accurate, fair, and verifiable. If this account can not be verified in full compliance with federal law, it must be deleted immediately. 

XXXX. 15 U.S.C. 1692c ( c ) Fair Debt Collection Practices Act ( FDCPA ) This law states that if a consumer notifies a debt collector in writing to cease communication, they must stop all collection efforts. If I previously disputed or requested verification of this debt and XXXX XXXX XXXX failed to comply, this account must be removed. 

XXXX. 31 U.S.C. 5118 This law governs financial transactions and reinforces the necessity for legal and accurate consumer credit reporting. 
FCRA ( 15 U.S.C. 1681i ) Requires the credit bureau to conduct a full reinvestigation within 30 days and delete any unverifiable or incorrect accounts. 

XXXX. FCRA ( 15 U.S.C. 1681b ) If XXXX XXXX XXXX did not have a permissible purpose to report this collection account, its presence on my report is a violation and must be corrected immediately. 

Request for Immediate Action : I am formally requesting that [ Credit Bureau Name ] : Conduct a full reinvestigation into the accuracy and legitimacy of this collection account. 

Obtain proper verification from XXXX XXXX XXXX proving that this account is valid, that I owe this amount, and that it was reported in full compliance with all federal laws. 

Permanently delete this collection account from my credit report if it can not be verified with legally sufficient documentation. 

Under the FCRA, you have 30 days to complete this investigation and provide me with a written response. If this collection account is not removed, I am prepared to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and considering legal action for damages caused by the continued reporting of inaccurate information. 

I have enclosed a copy of my ID and proof of address for identity verification. If you require any additional information, please contact me in writing at the address provided above. 

Thank you for your immediate attention to this matter. I look forward to your confirmation that this collection account has been removed from my credit report. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation