Consumer complaint received 2025-11-26 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: KS

Complaint narrative:
Equifax Information Services LLCXXXX. XXXX XXXX, GA XXXX Re : Formal Dispute of Inaccurate Collection Accounts To Whom It May Concern, I am writing to formally dispute inaccurate information currently appearing on my Equifax credit report. This dispute is made pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) 602, 607, 611, which require credit reporting agencies to maintain accurate and verifiable information.

The following accounts listed on my credit file contain incorrect, unverifiable, or incomplete information, and must be investigated and removed if they can not be fully validated : Account 1 ACCOUNT XXXX XXXX ( XXXX XXXX XXXXXXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXXXXXX XXXX  Collection Agency : Account XXXX XXXXXXXX XXXX  Reported Balance : {$510.00} XXXX Date Reported : XX/XX/XXXX * Date Assigned : XX/XX/XXXX * Remarks : Consumer disputes this account information Issues with this account : * The balance being reported is incorrect and inconsistent with the original amount claimed ( {$240.00} vs. {$510.00} ).

* No itemized accounting, bill, contract, or proof of responsibility has been provided.

* I have not received any validation notice as required under FDCPA 15 USC 1692g.

* The reporting contains errors in dates and amounts, making it legally unreliable.

Because the information is unverified and inaccurate, I request that it be deleted immediately from my credit report.

Account 2 XXXX XXXX XXXXXXXX XXXX Collection Agency / Debt Buyer : XXXX XXXX XXXXXXXX XXXX Balance : {$300.00} XXXX  Date Opened : XX/XX/XXXX * Remarks : Consumer disputes this account information ; Collection account Issues with this account : XXXX XXXXXXXX XXXX  is a debt buyer, yet has provided no proof of ownership, chain of title, or contract linking me to this alleged debt. 
* No legally required debt validation has ever been provided. 
* No original account number, original agreement, or proof of accuracy is shown. 
* The account is being reported as " open '', which is misleading for a collection account and violates FCRA reporting accuracy standards. 
Due to these deficiencies, the account is unverifiable and must be removed. 

REQUEST FOR ACTION In accordance with my rights under federal law, I request that Equifax : 1. Conduct a full reinvestigation of the accounts listed above.

2. Obtain physical documentation from the furnishers proving validity, including : * Complete payment history * Itemization of the amount claimed * Contract or service agreement with my signature * Proof of ownership / assignment 3. If the accounts can not be fully verified with documented evidence, they must be deleted from my credit report within 30 days, as required under FCRA 611.

Please send me written confirmation of the results of your reinvestigation.

Thank you for your prompt attention.I expect full compliance with the FCRA and FDCPA. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation